Burg man my condolences for your lost wealth...that does fucking suck....
As for the FDIC....you do know the $250K is a temp stop gap measure.....
as per their site-
The legislation authorizing the increase in deposit insurance coverage limits makes the change effective October 3, 2008, through December 31, 2009.
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So by that summary the entire global world market will be stabilized financially by New Years Day 2010.
Why would they have that provision in there in the first place?