An 85 year old retired physician/academic who has learned that after Buffet's comments the most intelligent analysis of the financial gurus and pundits comes fro Jim Cramer, "They know NOTHING." The stock market is as entertaining as a casino, easier to visit than Atlantic City and offers much better odds. I do not believe that this financial geniuses who almost destroyed the relatively free world's financial system should go to jail because of their criminal activity.They were criminals, but criminally insane. This author is a prime example. NLY's investments are all in agency-linked issues and this expert's comparison with the phony AAAs that crippled our economy is ridiculous. RBS preferrers are an ignored investment that seniors should consider. Especially those that are likely to resume interest payments in June 2013.