"She is as advertised, " said James Ballentine, chief lobbyist for the American Bankers Association.

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So products that protect against market crashes are richly priced, says Gregory Peterson, a mathematician at Ballentine Partners who helps wealthy families manage risks.

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"There are similar waters in South Africa with almost identical chemistry that are tens of millions of years old, and they contain microbes that have adapted to that environment, " explained Prof Chris Ballentine from Manchester University.

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