My secret 15k is avg .80 but I like the chance of the GSEs surviving and thriving in the future. I'm happy with at least half a $mil many years from now. My wife doesnt know about this acct and I intend to shock her and make her a very happy woman when the time comes. I figure also too if I go down with the ship (which has a low % of happening)...she can be spare of the misery.