One minor nit -- money market funds are no longer explicitly federally backed. There was a temporary guarantee program, but it expired in September 2009: http

One minor nit -- money market funds are no longer explicitly federally backed. There was a temporary guarantee program, but it expired in September 2009: http://www.ici.org/pressroom/opinions/letters/12_pss_am_banker http://www.ici.org/pressroom/opinions/letters/12_pss_am_bank... .