Dave – thanks for posting – great to get insight from the banking industry – it appears that you are associated with some banks that are healthy (at least at this point) – what is your take on the bailouts being offered to banks that aren’t healthy? unfair to prudent bankers? bailout likely to drive prudent bankers out of business because they can’t compete with recipients of ‘free’ money from the Fed and other sources like FHLB and this new auction BS?