Alot of "smoke and mirrors" are used to make things sound complicated. I can explain something that everyone should know in real simple terms with a couple of sentences that you probably won't hear: "What if I could get you a $9 billion dollar annual return on investment GUARANTEED by the American tax payer to be paid to you?" "What if I created your investment capital out of thin air by GUARANTEEING it with future American tax dollars, so you never have to put up any "actual money" to participate?" The Federal Reserve Bank (a private corporation) is creating $85 billion dollars out of thin air (or stealing it from the "general economy"); and charging the American taxpayer 11% interest plus the principle to bail out AIG. I really wish I could be the agent negotiating these loans. 11% interest rate is a 5 point loan, which equals .05 X $85,000,000,000 or a loan commission of $4 billion, 250 million. By the way, that gets "rolled on top" of the loan making the loan amount $90,000,000,000 and the "actual annual interest" owed by the American tax payer for this one bail out becomes .11 X 89,250,000,000 or $9 billion, 817 million, 500 thousand dollars a year in interest or $818 million, 125 thousand dollars a month in new tax payer debt INTEREST ONLY. Just in case you were wondering, this means the Federal Reserve gets to add another $3 dollars a month from every person in America into their account in perpetuity. To quote Bill Hicks, "Go back to sleep America, every thing is fine, we are your government and every thing is fine, go back to sleep America".