OT: Did not know where to post this question and link, but here goes. In Dec you nailed the forthcoming Muni bond crisis , which declined 11%+ in last 6 weeks or so................. I escaped putting most into another condo in LA where temperatures have been 60-70's lately. But But But have nice sum left earning nothing, it is in cash. I never had so much cash uninvested in decades, I just saw this rather complicated article, what is your take as 7% interest with minor risk would "interes"t me (pun intentional, no apologies)?