consolidation. Only a few big shots are standing, Citi, Bank of America, JP Morgan Chase, Wells Fargo, plus Goldman Sachs and Morgan Stanley which have recently switched to 新马甲，bank holding companies. 奇怪的是数周前李曼兄弟公司申请过，但被打了回票！
Of course we are still having thousands of community and regional banks where you can put your money in.
Another new trend is some private equity founder buying small commercial bank using his personal name to avoid being a commercial bank under the strict bank regulations.
My guess is that GS and MS will buy some banks very soon, to become "real" commercial banks and start to absorb depositors' proceeds.
