Yeah, Mr88GT and I have pretty much assumed we won't have them. Our thought is basically this: anytime we give our money to someone else, we risk losing it. If we're giving our money to someone else, we're getting something of equal or greater value in return in the same transaction.
Thanks for the rep! I may not be able to out-figure the scientists, but I do know that the same things happening in the same ways generally produce the same results.