No, PS, I won’t. I actually agree with jg. But even if I didn’t, his assertion is not nearly as outlandish and uninformed as your assertion regarding ARM defaults. But find me something equally silly and I’ll be happy to take the other side of the bet. That’s what investing is all about after all: finding assymetric bets, where your downside is limited and your upside is several multiples of the downside, based on reasonable probabilities.