The primary risk factor for human infection appears to be direct or indirect exposure to infected live or dead poultry or contaminated environments.

FORBES: Bird Flu Claims More Lives In Shanghai

Which is why in a time of panic they may well stop lending to any bank which may have a direct or indirect exposure.

BBC: Why UK banks are not immune to eurozone woes

We heard a lot about the banks that were rendered insolvent by mortgage securities gone bad, but rarely about the individual savers with direct and indirect exposure to imprudent borrowers.

FORBES: The Ongoing, and Hideous Lie About 'Victimized' Mortgage Holders