So funny.. it’s true, it’s there, but when you loan money at 0.25% , then borrow it back at 2.0% , can you really call the 0.25% income ? For example, I wrote myself a check last year for 1 billion dollars. I then tore it up. Did I have income and losses of 1 billion dollars? If so, I must be a high roller, and I should have access to TARP funds, because clearly I am too big to fail!