It's a tough time to be in financial services. The list of companies failing or filing for bankruptcy in the past year includes American Home Mortgage, Ameriquest, New Century Financial Corp., and about 50 other lenders, firms whose largest creditors include some of the biggest names on Wall Street. And the hits keep coming. Countrywide Financial, the nation's biggest mortgage lender, narrowly avoided bankruptcy by borrowing $11 billion. And Bear Stearns survived only after JPMorgan agreed ...

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