FRAUD. After year 2008, every body need to wake up. Why we give our hard earn money to 401K so they take 2% for their income? Make sure we sell stock at low and buy at high? I like AIG because business is boomming and write off everything to zero. Just look at TYCO. TYCO was smart to split into 5 companies. The only company went BK was CIT. So government should study this AIG. Does it really need to stay this low? How many people really understand accounting?