Crash 'n' all, re: punting bank. You are correct crash, the bank is theoretical as far as the investments are concerned. In my case the "bank" IS available, but as a re-draw from my mortgage account. I would be total nut to keep that sort of money in a betting account or even in a cash management account.
They charge me $10 a month to keep the account open (as there is $0 balance) now, whether or not I would get cold feet after 25% of my bank dissappeared or 50% etc etc. Not sure, hope I never have to make that decision, but this where that drawdown figure is so important and especially timing, as if I'm losing previous winnings it's a hell of a lot different to a long losing stretch from a self funded bank.

But, make sure you have a "fig leaf" hee hee!