Fulton Bank:

You took the money from the taxpayers and now earn interest by buying Treasuries AT NO RISK. You're making 150 basis points with no risk. That's better than lending money out to businesses with the risk of a bad loan. Is that the reason you refuse to lend money for viable projects now? Hell, if I had access to interest-free cash and could earn interest with no risk I would do the same. You'll make more money off of this than the convention center, unless of course the convention center fails and we, the people, have to pay you off.

Read again, TARP it isn't interest free. 5%. So in your scenario, they are earning 1.5% and paying 5%. Not a huge money-making venture there is it?

Dear ******* Bank,

Thank you so much for giving me a loan for a new car. I just wanted to let you know I had my fingers crossed when I signed the papers for the loan and have no intention of paying back the money in the foreseeable future. Nyah, nyah!

(j/k-My car is paid off and I'm driving it til the wheels fall off.)