Liz, you should be OK with AIG. They have billions in reserve but can't touch it right now, thus, they took a loan from the government to cover the most immediate. They insure 2/3rd of the free world, so its highly unlikely that they are going under; even the top dollar investors would lose out and you KNOW they aren't going to let that happen. AIG has been riddled with some bad people in their administration but have also "cleaned house" on that issue most recently. I wouldn't be too worried about your situation. I'm concerned about Wachovia going to Citibank because of their CEO being Saudi..so I'm moving my money out of there the minute that happens, if it happens. Wells Fargo has also bid for Wachovia which is really making Citibank angry..of course..the Saudi's want our banking industries as fast as they can get them and have asked or threatened Wells Fargo to withdraw their offer. We're in for some hard times no matter what but worse by far if the young and highly questionable candidate takes office. Best wishes to you and the rest of us.