Good article fastfoot. Did you know that if you add the branches of the more than 149 banks that have closed this year, the total is over 1600 branches. Therefore, if a ratio of 10 branches per bank is used, that could mean 500 more banks are going to close !!!!! That would be the majority of the 829 "problem" lenders. Of course the top ten holders of derivitives should be 1st, but then they fall under the " Too Big To Fail" catagory. Bank of America alone, has 6,100 banking centers, and over 18,000 ATM locations and they are the 2nd largest Bank behind JP Morgan Chase !