Jim:

> I severely doubt that the regulators care what we call anything. And
> if we called the current international situation "peace," would that
> make it so?

Calling the current international situation "peace" is unwarranted
since it contradicts the facts, irrespective of what the rules and
regulations say. But calling those who borrow short-term and lend
long-term banks is defendable. Further, whether the regulators care
what we call these things or not depends on how many of us are calling
them banks and how loud we are. Did the University of Chicago
economists not win their battle by out-shouting the rest? But, I know,
you are not interested in running for President.

Best,
Sabri
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