Sugar Cubes?

Use a box of sugar cubes as a teaching device for explaining the removal of good or bad performing assets from a portfolio -- ie as if you were building a bridge or arch or struture with them.

That's why Americans check before they promise 'debt forgiveness' or adjustment. Also in America, debt forgiveness is an income, and any loss reduces taxable income.

As to your risk, Arthur Burns, a Federal Reserve Board Chairman past (now deceased and remembered for his midele-parted white hair,tortoise shell or gold-wire eyewear & Meerschaum pipe smoking at Congressional hearings) recommended: "DIVERSIFY & INVEST FOR THE LONG TERM!"