Expect diligent investors to be able to tap into more information than their lazier or less well-trained peers.

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Unfortunately, the researchers found that a deferral in compensation led to lazier application screening by the participating loan officers.

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For serious laps, try the North Sydney Olympic Pool (next to the Sydney Harbour Bridge) or for a lazier affair have a massage at Wylies Bath in Coogee.

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Other than parking cash for a few years in short-term bond index funds to beat money markets, lazier investors might do better with actively managed broad-spectrum bond funds.

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But at the same moment Frenchman Laurent Redon and 1996 winner Buddy Lazier became entangled half a lap behind and crashed into the wall, bringing out the yellow flag.

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There are now hundreds of thousands of apps (they used to be called applications but the world has gotten that much lazier over the past few years) written by tens of thousands of application developers around the world.

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