Suggestion: Think big, this was a MAJOR player in the banking system in the most lucrative economy in the whole wild world, and they were really conservative in comparison to the eastern yahoo banks and was more than capable of making huge income every year for many years. That is why holding company structure is so popular. One of my specialties is finance and business economics and I have no reservations about WMI having tremendous assets which they knew how to protect. Just makes common sense from the experts that WMI employed.