I think there is a big difference in the TBTF banks that you are talking about and the local community banks and also the chains like Wells Fargo and US Banks. The bigger banks like you are talking about our not real banks in my line of thinking, they are more investment firms and I don't think they are covered by FDIC because their deposits are set up completely different. I would bet that there was never any FDIC insurance for any money that got deposit with Lehmans. I still see the Derivative exposure graph as something completely different in Vons post.