This final note today, which will come with a quiz at the end.

Moody’s, the ratings agency, downgraded three of the biggest big banks this morning. That’d be Bank of America, Wells Fargo and Citigroup. How come? Because, Moody’s says, it’s now less likely that the government would bail ’em out — should it come to that.

So here’s the question: If everybody’s downgraded — the government, big banks — is anybody downgraded?

Think about that for a second.