It's called the MarketSafe Gold Bullion certificate of deposit. It gives you 100% safety of principal, and FDIC insurance, along with a "market upside payment" that is equal to 100% of the percentage change in the average spot price of gold over the five-year term of the CD! Here's how the Gold Bullion-linked CD works: Minimum CD purchase is $1,500. Term of the CD is five years. There is a 0% interest rate and APY. There are no account fees. The total return is linked to the average price of gold. There is no interest paid on the CD because your return is linked to the spot price of gold, which is considered the world's closing price for gold daily in terms of U.S. dollars and is established in London at 3 p.m. London time. Your "interest" payment at the end of the CD term is actually considered a "market upside payment" and it is determined by the price of gold on 10 specific, semiannual dates during the five-year term of the CD. At the end of the five-year term, the amount of your "market upside payment" equals the difference between the average price of gold on those 10 semiannual pricing dates, compared with the price of gold when you purchased the CD. These CDs will be issued in series, to simplify the pricing process. The first series will come to market Oct. 25, 2005. The base spot price of gold will be established on that date, and the semiannual spot gold pricing observations will be measured against the initial gold price when the CD is issued. Then, at maturity, you will receive either a guaranteed 100% of your initial deposit (if gold has fallen in price) or 100% of the average gain in gold, whichever is greater. As an example, suppose you purchased a $10,000 Gold Bullion CD that has a "base price" of $470. Then, over the next five years, the price of gold rises and falls but generally has an upward trend. Those prices are measured at fixed six-month intervals, and let's say the price of gold averages $618 on those 10 dates. Then, at maturity, your $10,000 CD would be worth $13,100. If the price of gold results in an average of less than $470 an ounce during those 10 observation dates, you'll get back your original $10,000 investment at maturity in five years. Special note. These CDs are not liquid, and money can be withdrawn only if the owner dies. And in that case, there is no guarantee of principal protection. They are not suited for tax-deferred accounts, such as IRAs. The first series of MarketSafe gold bullion-linked CDs will be issued Oct. 25, with subsequent series issued every month. For more information and a detailed explanation of the risks and guarantees, go to www.Everbank.com. They've finally found a way to turn paper dollars into gold. And that's The Savage Truth.