Clearly, risks do exist and there is no doubt that some will get into trouble, especially if interest rates are forced up suddenly, but a structural rather than cyclical change seems to have occurred.

There's no doubt that they had some trouble last year. Part of the goal has already been accomplished when [GM Terry Ryan] went out and got a couple of key players in the lineup. Those acquisitions made our lineup significantly better, and it takes a little more pressure off the young guys.

[But even though Spurs forward Glenn Robinson never has been a player to doubt his abilities, he said he realizes he can't expect to be as big a factor in the playoffs as he was the past few weeks.] I know deep down I'm not ready, ... This is a tough organization to come right in (and play). I've only been here for three weeks.

Rule Number One in the India Savage Life Code: When in doubt or possible trouble, lie.

Be in no doubt this is the largest insured loss that has ever occurred. The trouble is we have no idea how big it will be.

We look closely at the investment styles, narrowness of the market – the extent to which a handful of stocks drive the whole market – and market inflections.