Patrick wrote, " While I do agree that Mr. Bondi's 22-black theory is more than a little ludacris". That is understating the facts. I also would think that the building fund $$$$ should be, and more then likely are someplace other then a standard savings account. I'M not big on dumping in on any one stock, or fund, but could see it being in CD's. Even tho cd's have dropped a little as of late, the odds are a lot better then 36 to one.