General purpose platforms yield specific, surprising innovations.

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The high temperature suppresses the conversion of nitrates into the more toxic nitrites, which ultimately yield tobacco-specific nitrosamines.

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The key is to tiptoe carefully into a diversified group of high-yield names with specific maturities whose balance sheets are good and whose price moves, based on interest rate fluctuations (called duration), will be muted.

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Pfizer has some interesting things, between the spin-off of their veterinary product company and their yield (3.5%), this is a specific name that we think has significant upside.

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As for the next financial crisis, which will most threaten the highly-leveraged, nothing in the Dodd Frank act, or any specific regulation, precludes the Fed from once again deliberately inverting the Treasury yield curve and triggering the next recession and credit crunch, as it has done so frequently in the past.

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