[matt5250]

thing is zen, 4.41% is lower than 10% but AL, with good reason, moves much faster than real life, hence, what would be made on you money in a savings account in 10 or 20 years in real life, can be made in one year in awakened lands. hence the short term deposits would be equally larger than in real life. I have no objection to a risk vs reward program, but like I said, this is a fixed income market we're talking about. the "risk" is not being able to use your money and the "reward" is higher interest than a bank account can provide. then if you want to earn real money, you enter an equity market (for example) where the risk becomes losing your money and the reward is significantly higher returns.