Silver Wheaton (SLW) isn't a bad investment. Maybe even an excellent one if PM values turn around and start heading back up. I agree that premiums on silver have gotten out of hand. Currently, the smallest I pay is $1.75 over spot...I used to pay 59 cents. On a positive note, I can take a short-term loan, using PM as collateral for only 1% interest here in CA. IMO small price to pay for security against possible hyper-inflation. S~P