Positive thinking brings us this week’s Marketplace Money buzzword: Blank check IPO.

A blank check IPO is like a regular IPO — for optimists! Investors give money to get in on the ground floor of a company, but it has no business plan and no stated purpose. Regulators worry investors might get burned, but it hasn’t hindered blank checks’ popularity. This year, they made up about a quarter of U.S. IPOs.

One, China Holdings Acquisition Corp, filed this week. They want to raise 100 million bucks to do something in China, they’re not sure what. A suggestion? Start an overdraft protection company.