I think this will weed out many institutions but will make those who do survive stronger. This is all part of a cycle that is worst than others due to creative mortgaging making housing temperarily affordable to those who actual should not had those loans. 5 yrs arms and all these 5/30 are tricks and when due in 5 interest will be higher. Stick to 30 fix and that is what has caused this down fall. east West will Survive, I'm betting on it. It's leadership is strong and during theses times, they need to trim the fat and stay to basics. Remember 1992, Houses dropped drasticly and we actually took advantage of the situation and bought focluser then. I think same now..Short sales are easy to find. Just stay true to your ideas and trust in East West. Let it ride. I do not consider myself an expert but hay the experts kept saying its just a correction at first. In tough times you have to make a plan and stict to it.