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That's what our bank did today. Not to worry though, we fall under (well under, "not even close" under) the FDIC insured amount. This might be the one day where I'm glad I'm not a millionaire. Of course, I guess if I was a millionaire, I'd have an advisor telling what I need to do to protect my hoards of cash. Okay, I still wish I was a millionaire, even today. ; )