Do you want a Sure-Fire Way not to lose a boatload of money these days? Of course you do. You need an SFW! For only one zap, I will share with you my SFW: Avoid 3-letter acronyms that start with S and have a B in them. SBF SVB Oh the gajillions that could have been saved! What people needed was an SFW to avoid them. You are welcome. Zap away. (Note that SFW starts with an S but does not have a B. Which is proof. Obvs.)