I already gave up and went to the dark side with foreign currency and gold. Personally not really comfortable with foreign currency but don’t have any option with the prediction of more rate cut (Ben will definitely cut more before the end 2008). Check Australian $, good rate and stability (actually appreciation vs. US$), I don’t have any but want to add it into my portfolio. I am just steaming at the FED right now…these people suppose to protect our interest