I wish you could leave the "name calling" out. Can't we be civil?
Do we know it is going to be a negative AIG ruling, or is this only a speculation, or an effort to affect PS?
I didn't know you could convert Non-IRA to a Roth IRA. I presume a Non-IRA is a brokerage account. As far as I know, you can only convert from a Retirement IRA to a Roth IRA, since it has to be "earned income." Conversions are fully taxable and limited by income contraints, IMHO.
Why the name calling? You are explaining it well, then ruin it by insulting your student.
You have to have faith in the American Justice System if you decide to place a wager on FNMA. If not, by all means go with VISA; it is a great company (IMHO). I do have faith.