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LoL you responded to this?

Really?

So not only did you refuse to make any kind of counterpoint or even engage with the topic of conversation... but now you're spouting off some nonsense about earning 3.8% yield? Really? There is no yield in this equation sit down and shut up already. I've over it.

Either discuss the potential risk vs reward skew in a way that actually makes sense or STFU. It's not hard. You're so close (maybe).