When the pickings get slim are you exceeding the FDIC limit at institutions such as Chase, Bank of America, Navy Federal and the like or, to stay within FDIC limits, are you putting money at lesser known smaller financial institutions that are under $1 billion and have the equivalent of a C safety rating? This has been an ongoing issue but there seem to be fewer obvious choices. On one side if banks such as Chase or Bank of America have financial problems they could legally confiscate depositors' funds in excess of FDIC insurance to use as capital. But if Chase or Bank of America have those kinds of financial problems there's more to be concerned about other than personal deposits. However if staying within FDIC limits is still a priority do you take the risk with smaller institutions that have a mediocre safety rating? No one wants to deal with the FDIC if a bank failure arises. Additionally, the more your information is out there the greater the likelihood of security issues. How do you mimimize these issues? Where do you draw the line? Where is your comfort zone?