I have to disagree with you,

Wachovia is as safe as JP Morgan at this moment, if Wachovia has problem in the next 2 years, our RE investment will suffer real loss even you bought it dirty cheap.

I will say, deposit your money to Wachovia, BofA, Wells Fargo, JP Morgan, US banks and Citi, they are all in the same boat, if any banks fell, we will all fall under the water.