Julio:

> Following Sabri's lead, Rubini is calling them "shadow banks."

Actually, I am not the one who invented this "shadow baking system"
concept. It came out about a year ago, and if I am not wrong, someone
at PIMCO coined it, and Bill Gross popularized it. So, we are all
following the lead of PIMCO.

For example, here is Krugman following the lead:

http://www.nytimes.com/2008/09/15/opinion/15krugman.html

Best,
Sabri
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