Letter to Bank

Dear Sirs, 

In view of current developments in the banking
market,  if one of my checks is returned marked
'insufficient funds', does that refer to me or to you?

Sincerely Yours,

The United States, Europe and Bretton Woods II

excellent article:

http://www.stratfor.com/weekly/20081020_united_states_europe_and_bretton_woods_ii