If you haven't already heard, the markets aren't doing so well today. Lehman Brothers, who filed for Chapter 11 bankruptcy, saw its stock plummet by 95%! Bank of America also declared that they'll buy Merrill Lynch for around $29 a share ($50 billion in total), which is a 70% premium over the stock's closing price on Friday. The reaction so far today, predictably, has been a 26% gain in Merrill and a 14% drop in B of A. Everything considered, $300 billion in value was lost on the markets. Since events like this affect us all in one way or another, I'd highly recommend doing some further research into what's going on in our financial system.