Dilbert and the financial advisor sit at the table. The advisor says, "For the timid investor, I recommend our 'Perpetual Certificates of Deposit.'" The man continues, "They earn the highest possible interest. The only trade-off is that you can never withdraw it." Dilbert asks, "Why don't I just fling my money out a window?" The advisor replies, "Ah, you've heard of our 'Flying Debenture' product?"