Jim:

> It's not what you or I call GMAC that counts. It's what the legal
> system and regulators call it. Banks and finance companies are
> creatures of government rules and regulations.

I know. This is why I like Roubini this much: he is calling the
financial institutions such as GMAC banks. If we all start calling
them banks, then maybe the regulators will hear us!

Best,
Sabri
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