Word
gets around and as a result increasing numbers of customers flood into Heidi's
bar.

Taking advantage of her customers' freedom from immediate payment
constraints, Heidi increases her prices for wine and beer, the most-consumed
beverages. Her sales volume increases massively.  She takes out a loan to pay
for the extra supplies.

A young and dynamic customer service consultant
at the local bank recognizes these customer debts as valuable future assets and
increases Heidi's borrowing limit.  He sees no reason for undue concern since he
has the IOU's of the alcoholics as collateral.

At the bank's corporate
headquarters, expert bankers transform these customer assets into DRINKBONDS,
ALKBONDS and PUKEBONDS. These securities are then traded on markets worldwide.
No one really understands what these abbreviations mean and how the securities
are guaranteed.
Nevertheless, as their prices continuously climb, the
securities become top-selling items.

One day, although the prices are
still climbing, a risk manager (subsequently of course fired due his negativity)
of the bank decides that slowly the time has come to demand payment of the debts
incurred
by the drinkers at Heidi's bar.

However they cannot pay back
the debts.

Heidi cannot fulfil her loan obligations and claims
bankruptcy.

DRINKBOND and ALKBOND drop in price by 95 %. PUKEBOND
performs better, stabilizing in price after dropping by 80 %.

The
suppliers of Heidi's bar, having granted her generous payment due dates and
having invested in the securities are faced with a new situation. Her wine
supplier claims bankruptcy, her beer supplier is taken over by a
competitor.

The bank is saved by the Government following dramatic
round-the-clock consultations by leaders from the governing political
parties.

The funds required for this purpose are obtained by a tax levied
on the non-drinkers.

Now you understand it!