I think some of the smart money is in them fixed interest bank hybrid thingys that no-one understands and then theres the 8.something bank deposits. Can't imagine the B4 banks failing. Dats a good return - but maybe inflation is 8% or are we deflating now and them bank deposits worth 8% less. Just when you think you are king you start to think maybe I just got naked shorts on or whatever (didn't really understand them either). Don't think anyone is winning now - if they are they are not telling me. Race is over I think.