yesterday during lunch, went to a bank (won't mention which), to open a FD. cos there's quite an attractive promotion going on. and these funds are part of my emergency ones. so no harm getting something better for them, anyway most likely they will stay put also. while waiting in the room and being served with a drink there, the RM came .... sir, you know there's this product, like bank shares, you buy at this price then potentially.... its basically accumulators! wah... got this kind of promotion