<p>Excellent response the<em>prestige. I could not have worded it better myself. “The appetite fot risk” are the key words in your post. IBanks function very differently in that regard. The lower the risk, the lower the returns…the smaller the bonuses. IBanking as a function will remain, but the rules have, in my opinion, been altered for the long term. As the</em>prestige points out, this could change in the future, but not anytime soon. The US Government is thinking of spending close to a TRILLION (that’s 12 zeros folks) to bail out those IBanks. That’s on top of the $300 billion bail out of AIG, Freddie Mac and Fannie Mae. The restructuring of the Financial industry is most likely irrevocable.</p>