Happy New Year.

Here’s a Forbes column about a neat new bank account: It Beats a CD 160 (Dec. 8, 2003) (http://islandia.law.yale.edu/ayers/Forbes%20IT%20Beats%20a%20Cd.pdf)

And believe it or not, we have just launched a new Why Not board game that you can download for free from the net. You and your friends might have fun playing a (“fictionary” type) game where you try to solve real world problems. Or post a problem, and see if Why Not gamers come up with an interesting solution. See http://www.whynot.net/game/

And to show there is no end to Why Not? crossbranding, we’ve also started to sell the LiabiliT -- a shirt that might just offer a modicum of legal protection as you walk through this world. It attempts to turn the tables on merchants who try to disclaim all liability. See http://www.whynot.net/merchandise/

Sincerely,

Ian Ayres

William K. Townsend Professor

Yale Law School

PO Box 208215, New Haven, CT 06520

203.432.7101 (o), 203.432.4769 (fax), 203.624.5654 (h)

ian.ayres@yale.edu