Even for those who perceive the bankruptcy of Lehman and the AIG “bail-out”, with the inventory market down over 20{4bae5313c1ffa697ce99995897f7847f1ebf3bca0fb7c37396bb602eb24323d3}, people need to know what to do with their cash now. In recent years, the Fed has been repeatedly urged to lift bank capital necessities via something referred to as a Countercyclical Capital Buffer (CCyB). The CCyB is designed to increase capital ranges towards the end of an financial cycle. This helps constrain debt-pushed asset bubbles and likewise provides banks excess capital to launch in a downturn in order that they will develop credit when the economy needs it essentially the most. But the Fed has repeatedly refused to invoke…