As the bull market of the 1990s began, safe, single-digit growth was out. In 1992, savings bond redemptions outpaced purchases of new bonds. In order to reverse this trend the Treasury Department's Savings Bond Marketing Office (SBMO) hired the Ball Group, a Baltimore, Maryland-based research and advertising company. After 18 months of market research, SBMO unleashed the I Bond, an inflation-indexed savings bond. With the I Bond, customers would not have to worry about getting stuck with a fixed...

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