You are always so spot on. Cheers!!!! One wag made the point that FDIC now stands for F…king Dimwit Insurance Company. Here is my 2cents on the matter: https://medium.com/@daneke/too-big-to-fail-just-got-smaller-we-are-no-longer-a-nation-with-banks-but-banks-with-a-nation-31fc0e5cd34b