Investment superstar WarrenBuffett has called them financial"weapons of mass destruction."They're the little known and lightlyregulated credit derivative productsthat some brokers are trying to peddleto small investors. The newproducts are basically indexes thattrack the most actively traded creditderivatives of 100 corporations.The products are also expected tobe sold as exchange-traded fundswithin the year. Derivatives can bevery lucrative for brokers, but forindividual investors they're mostly abear trap. Banks andother lenders can lay off sub-parloans by using the credit derivativesmarket to transfer the risk to naiveinvestors. Take a tip from Mr.Buffett—don't invest in anythingyou don't understand.