The markets are erratic these days. Banks are being taken over by the Federal Government. Obama is selling the country down the river to the greedy lenders and car manufacturers and home owners who are insolvent. On Jim Cramer today I heard someone beg the question why should the responsible mortgage payers be expected to pay for the government guarantees to the delinquent property owners who are borrowing to add on a wing to their house for a new bathroom? At home, what is Farmers Bank doing to guarantee their depositors that our money is safe. I sure hope Farmers is not engaging in the practice of making nonsecure loans to homeowners who will sign any loan application thinking Obama will send Congress to their relief through the credit markets, Fannie Mae or Freddie Mac, of Kentucky Housing Corporation. If it is reported as such we bank examiners will be there to check FFKT's records and account management scheme to keep the capital city's finest finest financial institution from going under. We would sure hate to close you down or force FFKT into receivership through court appointed trustees, etc. We understand that present bank officers sometimes take out foolishly risky loans but don't always pay the $$ back in the period they agree to. I work for your cross town rival 5th Third and do bank audits of our competitors as a second job (office hours are 8 - 6 on Saturday and Sunday) and I also work during the week after normal business office hours. My fees are somewhat high, but I am good in auditing banks. Four banking CEO's are in prison due to my diligent and methodical work. My best advice to FFKT is simply don't keep sloppy records and always run your banking organization in a ship-shape way. That way you will always know your precise cash position which is key for knowing how much to lend vs. how much to retain for management of internal operations. It would be especially embarrassing if FFKT got closed down because it committed felonious or negligent banking practices. If the bank is having trouble, I strongly advise that it contact the Federal Reserve and FBI and state auditor to request help it needs, as well as President Obama whose recovery stimulus package is going to mean that FFKT will obviously be the recipient of a large sum of federal funds during the implementation of approved public works and infrastruture projects. Thus, it is even more important than ever that FFKT keep its nose clean and be sure it always has substantial assets on hand so my auditing team won't make unwanted recommendtions to the bank and federal and state agency comptrollers who might have very negative reactions to whatever unfavorable events take place in the bank, just like those in authority who seem to want to endorse Obama's great mortgage credit handout that will not go nearly far enough to help many, many homeowners declaring bankruptcy.