> Bankers say they are prepared. Their reserves against delinquencies were higher than needed a year ago, and are now being drawn down as delinquencies rise, th

> Bankers say they are prepared. Their reserves against delinquencies were higher than needed a year ago, and are now being drawn down as delinquencies rise, they say. They argue that regulators appear to be focused on small and mid-sized banks’ exposure. Okay. But if this turns to shit, we best see some executive heads roll.