Want to hazard a guess what the S&L reserves would look like?
If one day, the government came in and said "As of today, you can only count 22% of your mortgage portfolio as assets" "That means your books are out of balance and you need to come up with $780,000 cash, right now, to adequately collateralize each billion dollars worth of mortgages on your books"
Oh and by the way, the fact that there are 3 X the authorized shares of your company trading in the market and your share price is in the shitter is your problem. Not ours.