“Once upon a time, a man went on a journey, and summoned his slaves and entrusted his property to them. To one he gave five talents, to another two, and to another one, each according to his ability. Then he went on his journey.

The one who had received five talents went off right away and put his money to work in a Wall Street investment bank speculating in complex derivatives.

In the same way, the one who had two took out a negative-amortization, stated income subprime mortgage on a McMansion.

But the one who had received one talent went out and invested in a money market account, which dug a hole in the ground and hid his master’s money in it, earning only 2% a year.