Women, especially need theflexibility of having savings that are accessible and not entirely locked into an account that can only be borrowed against with high penalties.
The Sauvignon Blancs showed especially well, demonstrating theflexibility of a yogi with various toppings, even wrapping beautifully around one composed of spicy tomato sauce and gorgonzola cheese.
By downsides, I refer especially to the loss of flexibility if circumstances change and the prolonging of an already too long period of financial repression.