[C210N]

banks have indeed earned their way back to solvency...

or, in slightly different words:

banks have indeed un-earned their way back to solvency

[cdpap]

Don’t fool yourself. It will take 30 years at this rate for banks to become solvent again. There is not one big money center bank that could withstand an actual audit using g.a.a.p. accounting. These banks need to suck at the govt teat for at least another 20-25 years to become solvent again.