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I certainly don't think you have been accused of that, by anyone. I for one (while remaining agnostic on Derivex) have learned quite a bit from your posts on the subject. Keep it up!

I think a point Steve Navra made earlier that builds on one of TJamesX's points is critical from the forumite viewpoint - what happens when (if) Derivex crashes? The loans I have from Australia's large banks have a clause that the loans can be recalled for instant repayment. Whilever the...

I gotta admit, I'm no more enlightened than when I started. Maybe I'm just stupid, but I'm going to go with Warren Buffet. I have two (conflicting) thoughts and a third caveat. 1. (against Derivex) JamesTX's central question/proposition was lucidly put and remains unanswered. 2. (for...