Before the credit storm hit, the waters were calm for Gary Holloway. "I was doing a lot golfing and boating on Lake Travis [near Austin]," says Holloway, who took an early buyout and retired from the FDIC in 2005. "But in March, the FDIC called and said 'We need some people. How about coming back?' It was an opportunity. I always enjoyed the FDIC, so it was a win-win."

But not necessarily a win-win-win.

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