I think that what you said about the blanket statements is valid and it sort of goes without saying on this forum. Many of us are aware that some really smart people may have employed these financing vehicles because they calculated that they would work well for their current and future situations.

Sduuuuuuude, surely you must know that my analogy was purely for effect and not a true apples-apples comparison to exotic loans? Bmarum understood it for what it was. Perhaps you have some better analogies?