This is 'what makes this time different' - the self-managed vs. bank-managed net returns per unit risk are too hard to ignore. Having all the money move at the

This is 'what makes this time different' - the self-managed vs. bank-managed net returns per unit risk are too hard to ignore. Having all the money move at the same time was not the intended design - things showed cracks, some poked at it, and though we have avoided immediate danger, there's a strong potential for the financial engine to 'lock up.'