you're thinking of this place all wrong. As if I had the money back in a safe. the money's not here. Your money's in Joe's house...right next to yours. and in the Kennedy house, and Mrs. Macklin's house and a hundred others. Then we take those mortgages and bundle them into commodities. We put all the bad mortgages together and pay the ratings agencies to rate them AAA. then after we sell the commodities, we buy guarantees that will pay us when your mortgages fail. we know that your home is now worthless and your retirement account is empty, but don't worry we've lobbied the government to borrow against your future taxes so that we can pay uncle billy his 40 million bonus and if you cut his taxes all that money will trickle down to you.