Why then do I have this gnawing fear that the required Federal audit of balance sheets will gloss over or totally ignore off balance sheet liabilities, which is where most of the true black holes have been stashed?  The rule should be that ANY liability not brought forward at the time of the audit shall first be paid with the personal assets of the corporate officers of the institution and then creditors can go pound sand.

As the Dutch said while fighting the Spanish: "It is not necessary to have hope in order to persevere."