Perspective Is Key By Jim Cramer About this article: We are always thinking about things that could happen, without thinking about things that have already happened. Consider that JPMorgan , Goldman Sachs and Morgan Stanley want to pay back almost $50 billion in TARP money. People yawn at that. How about the fact that Fifth Third and Key can even refinance; I thought they would be seized, for heaven's sake. How about that Professor Rube, the guy from NYU, was calling for the nationalization of all banks because they are insolvent, which presumably includes Bank of America , when the bank turns around and raises $30 billion? Maybe Professor Rube thinks that money doesn't count and we would be doing better if Bank of America were to become something like "The U.S. Postal Service and Bank of America"? Did anyone think that Chrysler and soon GM would go bankrupt... Or, call us at 1-866-321-TSCM (8726) Monday-Friday, 8 a.m.-6 p.m. ET. Outside the U.S. and in Canada, call 1-212-321-5200.

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