FDIC wants to minimize the money JPM has to pay by letting the others pay the bill by claiming the LIPBR rate manipulation was a large factor in demise of WAMU. It will be decided this year. Then FDIC can ask JPM to foot the rest of bill. FDIC's action has eroded the confidence the investors have in banking industry and it is time for FDIC to act like reasonable agency to deal with. The same situation applies to FNMA and FMCC as the investors do not want to participate in mortgage loan industry until FNMA and FMCC are released.