Hi Mimaroo. Nice to see you here after the Heads-Up from JM. I know we have crossed paths on the various stacking channels over the past 5 years I have been involved in p.m's. I, too, took notice of my bank's Financial Advisor in taking out a Bond just before the last big crash 10 years ago and despite stating we wanted low risk, we lost £1000's. Never again! Now retired, I have taken on control of our life savings/fixed income and never looked back. Avoided debt all our 50 years together, apart from our house soon paid for, which helped a lot. I registered here a while ago but seldom visit - I must make amends as I am VERY YouTube critical with all the Government-backed censorship going on. Take care! E.P.