Dino, I agree looks like Lehman is the net skittle to fall. In my opinion if Freddie Mac and all the others can fail so can any other bank including UBS. I also was shocked when Swissair went bust. We are living in a time when nothing is sacred. Any firm not backed by a Government can go bust, especially if its managers have no clue what their employees are doing in the name of the company,on behalf of the management. I have no sympathy at all for all these so called Bankers, who rack up multi-billion write-downs. Their practices stink. They have ever more regulations, and yet still manage to lose money hand over fist. I find the losses something that collectively they should be ashamed of, I am shocked that so few fall on the sword, before it falls on them.