Ah yes its a wonderful life. We quietly heard about another 9 or so closings Friday putting the year at about 100 or so with two full months to push the totals. In case you need to know the ariel view is of the bank in Lamont, Illinois that closed Friday. If you go to the FDIC site and read about the latest goings on one thing that might strike you is the number of smaller banks that are going belly up. I mean real small and not so big that they can't fail...just little community banks. I'm sure there is some bad practices here and there. Probably has to be some loans that perhaps shouldn't have been made and no depositors lost a penny.... but the toll on a small community is enormous as now their local bank is a bigger bank from another city or state perhaps and the "It's a Wonderful Life" doesn't have an angel it can loan out to some people with good intentions that ran afoul of the economy.