If by "all," you mean nationalization. But still: It's a good guide for the perplexed, and these days, we're all a bit perplexed. Kevin, incidentally, seems to buy into the theory that the stress tests are meant to expose the utter insolvency of the system and give the administration an excuse to nationalize. I'm not sure he's right (nor am I sure he's wrong), but then, neither is he. In fact, it may be unknowable. One of the presumptions in a lot of these conversations is that the Obama team fundamentally knows what they're going to do but is rolling it out slowly. But maybe they don't! Maybe they're waiting for the stress tests just like everyone else.