But the last couple of days I'm having second thoughts… These are extraordinary times and quite frankly the chiefs at Citi, BofA and some other institutions wanted to earn money and were willing to get into risky investments, and investments that they had no business getting into and to the extent they did… certainly some exposure to these risky investments is to be expected, but not the huge exposure some institutions have. And these banks' risk models proved to be inadequate….

So the bottom line is these institutions largely brought their current state upon themselves (though stock market panic might be playing a role, too as investors, not sure what to expect, flee these institutions, in turn causing more investors and these institutions' customers to flee).

As far as shareholder value…. well that's mostly gone and the uncertainty is causing problems with healthier institutions.

So I totally agree with what you said, “Sometimes you just gotta let it go.”