Years earlier, as a cahsier at McDonald's, I had been trained in the art of "suggestive selling." If a customer ordered a cheeseburger and fries, I knew to ask, "Would you like and apple pie with that?" That same strategy worked at Morgan Stanley. If a customer ordered a simple treasury bond, you asked, "Would you like a leveraged derivative with that?" Often the investor said yes--or at least pursued the inquiry.From FIASCO: Blood in the Water on Wall Street. If you haven't read it, you should. Charlie Munger even recommended it.