The meltdown on Wall Street was real, and posed great risk.  If I read
correctly, and I multi-sourced this, there was a short period that companies
couldn't sell short term paper; in other words companies with big assets
couldn't get loans for a day or two that were a fraction of their assets.
Since banks never ever have cash reserves close to the total of the M1
deposit (the US requires only 10%), a bank run can be explosively
devastating.

But, that's only part of it.  European banks have even weaker requirements
on deposits 

http://en.wikipedia.org/wiki/Reserve_requirement

Leaman Brothers (sp) had a 40x leverage.  Deuchbank, I've heard from a good
source, is leveraged 60x.  If it falls, I think it may be impossible for
Germany to bail it out.

Dan M. 

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