BK is a real consideration..not just a boogeyman. Morningstar rates the possibility at 35%..thats no joke. A run on the bank is still a run on the bank. And I think you are being too nice to call there alarming, confusing, and inappropriate press release regarding taxable income just "miscommunication". It is nothing less than insane for a banker to be confusing and alarming in the midddle of a crisis! Completely the wrong place and the wrong time to incite a panic. They turned a 3/4 point hit into a full blown fight for your life scenario. Its just banking 101 ...you don't say bomb on an airplane!