K. Key of Moreno Valley, California, writes:

Marilyn: You published a letter from a woman who deposited $200,000 into a savings account at a bank and then had an investment counselor at that bank convince her to move the money into a "supposedly safe" stock account.  (May 31, 2009) The stock account then fell in value to $139,000. This is an example of why I dislike the government's allowing savings banks to get into the stock-brokering business. Some people assume that the FDIC insurance on their savings accounts at banks also carries over to the banks' stock accounts, but the stocks are in fact uninsured.