Money Management ?

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I'm not talking about bankroll managment. That should be second nature to us all.

My question is about money management in this post-UIGEA, increasingly unstable internet era. Every week there are stories of players funds being frozen by sites. Some of these are scammers, but there always seems to be a few that have been falsely accused. Hacking accounts seems to be increasing (Raymer's account was broken into). Neteller is making progress toward releasing the players funds, but it will be a slow progress. Money is sluggish to move in and out of the sites, and some of the new e-wallets have their own credibility issues. Poker rooms are not as stable as they were 8 months ago, there have been many that have left the US market, at least one that took funds (jetset?), and some that have gone out of business (planet, pamela, etc.?).

How are you managing the risks? How much to keep at any one site? How many bb or buy ins should be kept online to assure not having to wait to reload the accout. Just curious what approaches people are taking.