Maybe holders of bank issues should read this article <a href="http://finance.yahoo.com/banking-budgeting/article/107585/what-the-stress-tests-did-not-predict.html?sec=topStories&pos=1&asset=&ccode=" rel="nofollow" target="_blank">http://finance.yahoo.com/banking-budgeting/article/107585/what-the-stress-tests-did-not-predict.html?sec=topStories&pos=1&asset=&ccode=</a> I have no idea where the banks are headed, but I think a case can be made for either direction. One thing is for certain; the moves could be dramatic. I also wonder how long the government will shield the financial institutions? Sooner, rather than later, they'll have to say: "you are on your own".