The news this week that the sky is falling—you know, mom & pops like AIG, Merrill Lynch and Lehman Brothers all basically on the verge of financial extinction—has everyone we know in a panic. The biggest question we’ve been hearing is about whether or not banks can still be trusted, and if a shoebox under the bed is a better bet.

Chill out, Chicken Littles! You’re insured for up to $100,000, and stashing your money in your mattress only means you’re insured for zero dollars if your mattress is stolen (weird, but it happens).