[Boomer]

Those hometown, bricks and mortar banks did not do such things as stated assets loans where people could just say, "Yeah, I make whatever."

And those solid banks did not do drive-by appraisals which meant that somebody just drove by the property to see if there was actually a house standing on it and called that an appraisal and even charged a hefty fee for doing nothing.

And those solid banks did not take loans in the front door and sell them out the back door at warp speed.

Those solid banks shelve most, if not all, of their own loans. They service those loans in-house. They have an investment in those loans so they are careful when they make them.

And many of those solid banks do not have stockholders to appease.

I like bricks and mortar, sturdy, little, solid banks.

But there is something that sticks in the back of my mind a bit.

Those excellent banks that have used decent, tried and true, lending practices are not immune to rampant unemployment among those who owe them money.

We are in this thing together, no matter how well we have tried to cover our own -- assets.

Boomer