...ah, but surely banking that $600 and letting the interest accumulate would be a still better investment? 'Cause it sounds like you need beads the way I need books (he says, nervously eyeing the backback containing the three anthologies I picked up from the post office this morning, and also the two Trek novels, copy of the Decameron and Ryunosuke Akutagawa collection I just bought at Penn Station instead of getting a haircut).