The Oregonian features "Skip the safe and consider an online bank savings account", saying, "Jokes aside, these savings accounts offer better yields (currently between 2 and 3.20 percent) than down-in-the-dumps money market mutual funds (about 0.75 percent, on average, according to Crane Data). They even out-earn most bank certificates of deposit, which require you to give up your money over an agreed-upon period." The paper quotes Peter Crane, president of Crane Data, a "Massachusetts firm that tracks money market accounts", warning about the top banks, "The highest yield attracts the wrong kind of crowd.... It's a crisis waiting to happen." See also, BusinessWeeks' "Volcker Financial Regulation Testimony Sketches Broad Changes".