Let's say the shit really starts to hit the fan with the latest bond insurance fiasco piled on top of the subprime mess, real estate meltdown, CDOs, CDSs, and all the rest. Where is a nice safe place to put some cash for awhile? Do most brokers have "cash"? I tried to ask Schwab but didn't get a good answer. AFAIK they only have various money market funds, which are full of commercial paper from the very institutions that might go under.