The other day I was talking to an acquaintance at Starbucks about the banking crisis in Cyprus, and how the European Central Bank had negotiated with the banks in Cyprus to help some of their largest depositors to a rather large haircut. That’s unfortunate if you are a large depositor and all of a sudden the bank closes for two-weeks, and tells you they are taking 40% of what you’ve deposited, and dutifully keeping it. That’s enough to scare depositors all over Europe. In fact it has. So what is a large customer to do you ask?