Because it was able to write off risky loans early this year, according to James Kurz, a senior Fonkoze financial adviser, its portfolio at risk has fallen to 5 percent in recent months.

但据Fonkoze银行高级财务顾问詹姆斯·库尔兹所说，正因为在今年年初银行注销掉一些有风险的贷款，它的风险投资在近几个月来已经下降了5个百分点。

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Bert Halliday, first vice president and senior financial adviser at Merrill Lynch (nyse: MER - news - people ) in New York, emphasizes the family dynamics of buying long-term care.

FORBES: Can Your Finances Survive Long-Term Care?

The city had no choice, said Steven Goldfield, a senior counselor at Public Resources Advisory Group and a financial adviser to the receiver.

WSJ: Bottom Falls Out of Debt-Ridden City

Albert Wojnilower, senior adviser to Monitor Clipper Partners, which manages private-equity investments, predicts enormous increases in financial risks for everyone in his "Life Without Treasury Securities, " a 16-page essay that is must reading on Wall Street these days.

FORBES: Treasurys, The Endangered Species