Many readers, even those who have a basic knowledge of the stock market, are unfamiliar with options. since the Zero (IN)Tolerance strategy involves these, one has to measure risk versus reward, as compared to negative interest rates, after income taxes, inflation and a weakening dollar.This widens the gap between the rich, who can take on risk, and the prudent middle and lower classes and seniors, who are on a glide path to poverty -especially when inflation kicks in. DITM covered calls is based on the same strategy. one can buy a quality stock that pays a 3% or more dividend, sell a lower call option at the same time (called a buy/write), just before the stock goes ex-dividend -the date each quarter that the stock is "without" the dividend.Testing several hundred thousands of dollars over 2 years time has returned the historic norm for the past 100 years, approximately an annualized 10% - this with the added safety net. In over two years and a hundred trades, it has only experienced 3 losses - including BP. Comparing this to a 6-month CD of less than 1%, it makes sense to investigate this plan with a portion of one's assets. More information about the strategy, book, and blog with actual trades can be found at: brentleonard.com. Most of you, like me, have only been investing since the largest bull market in history of 1982 started -lasting its usual 18 years. Since 2000 we've seen the Lost Decade and more but still do not invest defensively. After we go through school and raise a family, we usually have only 20-30 years to really provide for retirement - so far, this is the down cycle!