These are serious comments on a serious issue. If banks routinely uses "concentration" analysis when reviewing customers' cash flow and asset coverage, why shouldn't the rest of us consider concentration when assessing the threat to the system? We've got a few money center banks that are absolutely critical to operations of the entire financial/economic system. "Too big to fail" should be "too big to live", and our societal risk will keep going up as we continue to whistle past the graveyard and pretend there's no problem.