No, Loki, you're not wrong at all to be worried and reluctant to act. It's a murky, scary situation that's difficult to hedge.However, were a would-be investor to do the fundamental research you are so shrewdly suggesting --i.e., finding out exactly what the exposures of the banks' are and who is likely to bail them out (this time around)-- then the speculative element might become attenuated to the level of manageable risk, and things in that category can be called invstments, (because all undertakings have risk, the question only being its size and likelihood compared to alternatives). Charlie
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