I don't think this bailout is a sane solution. Neither do the op/ed
writers at the NYTimes today.

On Sep 22, 9:25�am, Frank <[EMAIL PROTECTED]> wrote:
> U.S. Stocks Fall, Led by Regional Banks; Regions, M&I Tumble
>
> By Sarah Jones and Elizabeth Stanton
>
> Sept. 22 (Bloomberg) -- U.S. stocks fell following the biggest two-day
> rally since 1987, dragged down by regional banks, on concern the
> government's $700 billion bailout of the financial system will hurt
> the smallest lenders.
>
> Regions Financial Corp., Alabama's biggest bank, tumbled 14 percent
> and Marshall & Ilsley Corp., Wisconsin's largest, dropped 12 percent
> after analysts advised clients to sell small and mid-sized banks. D.R.
> Horton Inc. and Lennar Corp. led declines among all 15 homebuilders in
> Standard & Poor's indexes. Ford Motor Co. and American Airlines'
> parent AMR Corp. lost more than 3 percent as oil had its biggest four-
> day gain since 2000.
>
> The S&P 500 lost 21.93, or 1.8 percent, to 1,233.15 at 10:20 a.m. in
> New York. The Dow Jones Industrial Average slid 163.43 to 11,225.01.
> The Nasdaq Composite Index decreased 32.46, or 1.4 percent, to
> 2,241.44. Three stocks retreated for each that rose on the New York
> Stock Exchange.
>
> ``They really haven't changed the economic fundamentals at all,'' said
> Jeffrey Coons, co-director of research at Manning & Napier Advisors
> Inc. in Fairport, New York, which manages $18 billion. ``We still have
> a debt-laden U.S. consumer facing falling employment. That's going to
> be overhanging our economy for some time.''
>
> Regionals Pare Rally
>
> The S&P 500 Regional Banks Index slumped 7.4 percent today as all 12
> of its companies declined. The group rallied 101 percent from its July
> 15 low through Sept. 19, more than three times a measure of large-cap
> financial companies in the index. Zions Bancorp., the Salt Lake City-
> based lender with operations in 10 Western states, led regionals with
> a 163 percent advance, while Columbus, Ohio-based Huntington
> Bancshares Inc. climbed 143 percent.
>
> The government's plan to purge banks of toxic assets and crack down on
> speculators who bet against shares of financial companies sent the S&P
> 500 up 8.5 percent in the final two days of last week.
>
> For Barclays Global Investors' Russ Koesterich, Treasury Secretary
> Henry Paulson's move to shift the burden of subprime- mortgage related
> losses to taxpayers ``put a floor under the equity markets.'' James
> Swanson, who oversees about $200 billion at MFS Investment Management
> in Boston, says the S&P 500 may rise 15 percent after the Treasury
> immunized investors from ``the brunt of the economic cycle.''
>
> Two-Day Rally
>
> The S&P 500's rally at the end of last week followed a rout that began
> when Lehman Brothers Holdings Inc. filed for bankruptcy, Merrill Lynch
> & Co. was sold to Bank of America Corp. and the U.S. took control of
> American International Group Inc.
>
> The Federal Reserve yesterday approved bids by Goldman Sachs Group
> Inc. and Morgan Stanley to become banks, ending the ascendancy of the
> securities firms 75 years after Congress separated them from deposit-
> taking lenders.
>
> More than $500 billion in losses at banks stemming from the first
> nationwide drop in home prices since the 1930s has pushed the S&P 500
> 15 percent lower in 2008. U.S. economic growth may slip to 1.7 percent
> this year and 1.5 percent in 2009, the slowest since the last
> recession in 2001 and its aftermath in 2002, according to the median
> of 80 economist forecasts compiled by Bloomberg.
>
> Bailout Widened
>
> The Bush administration widened the scope of its plan to include
> assets other than mortgage-related securities. The change to
> potentially allow purchases of instruments such as car loans and
> credit-card debt may force an increase in the size of the package as
> the legislation proceeds through Congress.
>
> Morgan Stanley rallied $3.23 to $30.44. Mitsubishi UFJ will buy 10
> percent to 20 percent of the securities firm and decide on a price
> after conducting due diligence, the Japanese bank said in a statement.
>
> Goldman Sachs Group Inc. slipped 74 cents to $129.06. The announcement
> that the two firms will become banks paves the way for Goldman and
> Morgan Stanley, both of which will now be regulated by the Fed, to
> build their deposit base, potentially through acquisitions. That will
> allow them to rely more heavily on deposits from retail customers
> instead of using borrowed money -- the leverage that led to the
> undoing of Lehman and Bear Stearns Cos.
>
> To contact the reporter on this story: Sarah Jones in Copenhagen at
> [EMAIL PROTECTED]
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