Worried of the West Midlands.

So my Northern Rock post of - spookily - almost exactly a year ago has now come back to bite me. This time it's the Halifax, and I do have money there. So what am I doing? I'm just sitting here twitching, and hoping that this takeover by Lloyds/TSB sorts everything out. I don't really understand just what's going on, and that makes me feel very uncomfortable. I tend to use the FTSE 100 index as my economic indicator, and that keeps bouncing about, but in general is falling, so that's no comfort. I can't help feeling that there are people out there making money out of my (and others') discomfort, and that makes me angry, so I've got lots of emotions whizzing about at the moment - none of them good!