I am. I don't have any misgivings about it, but that could be out of ignorance rather than wisdom.

My opinion does not matter and I say that with all sincerity. Here is  part of an article form the wall Street Journal. When an analyst says a company may go bankrupt they receive death threats. People have billions of dollars invested in these companies and the going rate for an assassin from Jamaica is $5000-$50,000 that is just keeping it real. Article:

Of course, while many investors are grateful that some analysts are getting tougher, that can make them extremely unpopular with the companies they follow. In November, analyst Prashant Bhatia of Citigroup issued a report warning that mortgage woes at E*Trade Financial Corp. could prompt a run on the brokerage firm's banking subsidiary.

"Customers may withdraw assets, and ask questions later," Mr. Bhatia wrote, estimating there was a 15% chance that E*Trade would be forced to file for bankruptcy-law protection. The stock sank.

Jarrett Lilien, E*Trade's acting chief executive officer, has publicly challenged Mr. Bhatia. He claims the analyst's comments are "reckless," comparing them to yelling "Fire!" in a crowded theater.

Mr. Bhatia responds: "You can go back over time and look at what we have written and what has taken place and be the judge of it."

Messrs. Bhatia and Lilien currently disagree over when E*Trade will return to profitability. E*Trade has said it will break into the black in 2008. "We don't agree," Mr. Bhatia wrote in a recent report, saying it probably won't happen until at least 2010.

Curiously, despite Mr. Bhatia's dour longer-term outlook, he expects E*Trade to turn a two-cents-per-share profit in the first quarter, even more optimistic than the company's projections. "I can only guess he is doing this so when we miss his projection he can say we missed his estimates again," Mr. Lilien says.

Mr. Bhatia says the first quarter usually is strong for E*Trade. "I don't listen to what management says," he adds.

Michael Mayo, a stock analyst at Deutsche Bank AG who slapped a sell rating on Citigroup last year and publicly called for the resignation of then-CEO Charles Prince, has since been reined in, according to people familiar with the situation. Now when Mr. Mayo talks to the media, he is joined by a Deutsche Bank press officer.

The firm was concerned Mr. Mayo had become overexposed and that some of his comments were being taken out of context.

So the Street Says 15% chance of bankruptcy, it usually takes six months to a year for that to happen, however American home lending and a couple of others did it immediately to save creditors some money and not deplete all the assets.