"RD, you raise an extremely important point and I agree. Much of the noise and hype is obfuscating the real issue, that we should be prepared to let institutions fail, with the losses borne by their stock and bond holders and counterparties who were ill-protected. Whether this means limiting the gross size of firms or having more strict capital and leverage guidelines I'm not sure, but this is among the most important issues to be tackled in the wake of the market meltdown. Thanks for your thoughtful comment." - Roger