D&D, You guys might enjoy opening an account at Intrade, so you can bet on events like bird flu, who will win the Oscars, legal and political race outcomes, whether Dick Cheney will resign by a certain date, and other events.
Even though I am not going to take you up on your offer, I hold the conviction of that high default rate. Many things can transpire to change the likelihood of a 90% default occurence, such as new federal regulations, a lending overhaul by banks to salvage the market, a Fed funds rate under 2%, so betting on that would be really stupid.
You really think a person who put 90% of their money in fixed income accounts would gamble in prediction markets, LOL? No way, Jose!