I actually don’t know that much about 10-Qs other than you can find them at http://www.sec.gov. As for Citibank and JPM, I would imagine that most of the big banks are diversified and won’t be hurt by the housing bubble pop as much as smaller banks like Federated who appear to have really jacked up their earnings using these risky mortgages. I also agree with you that the banks that sold their mortgages to the MBS market are going to be much better off than those (like Federated) who haven’t. It’s going to be interesting to watch how all this plays out over the next few years.