It is allways good to be 30% in stocks like this if the gold price is high. No matters is this GFC2 or GFC1. If You are 100% in cash You can pass the train. Bank shares are already very low so we are not far from bottom in this crisis. Maybe we did already 2/3 the way down in bank sector. Next year will be the year of decisions. EU to be or not to be. But now till new year YTC is a clear buy. You will not get it for 40c.