I remember when Etrade ran into some trouble a few months ago there were questions about what happens if a broker goes under, what happens if your account is over the SIPC limit, etc.
Here's an interesting piece from Willkie Farr on the subject.
http://www.willkie.com/files/tbl_s29...ted_Issues.pdf
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Money's just something you need in case you don't die tomorrow.
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