Delinquency rates at HCG are said to be relatively standard at 0.3%. Those who are pulling their CDs out must be over the CDIC's $100,000 limit, otherwise why bother? For those <$100k, this debacle is a non-issue. For those >$100k in deposits, continue worrying. It'll be interesting how it opens tomorrow. At $5.99, HCG is yielding 17%/yr. If it can remain solvent, and not cut its dividend, buy tomorrow. 

Ironic that it is NOT the subprime borrowers who are in trouble here, but rather the subprime lender.

What happens when your banker defaults?