You've heard plenty about Wall Street's fumbles from the recent interview I had with Tom James, CEO of St. Petersburg's Raymond James Financial. Well here's what he's telling his investment firm's clients in a letter dated Sept. 23. He says Raymond James has three pretty safe places to put customer deposits. "In short, while there are no guarantees that a loss couldn’t occur, these depositories are very safe," James states. "My own cash balances are invested in these accounts."

-- Robert Trigaux, Times Business Columnist