Test Bank

"A toast! A toast! To Mama Dollar and Papa Dollar, and if you want to keep this old building and loan in business, you better have a family real quick."
--George Bailey (It's a Wonderful Life)

I like Peter Atwater's vision that by the time this credit crisis bottoms, the typical bank will be much smaller and scale and locally situated. Between here and there, however, calls for a toppling of the giants.

This will ocurs when we can no longer afford to prop 'em up under the guise of 'too big to fail.' Reducing barriers to entry will knock inept giants down via the energy of free enterprise.

position in SH