Tool of the Day, March 7

It might be a little early to designate the tool of the day considering the turmoil going on the market...but really, this guy takes the cake.  According to marketwatch.com, Donald Fandetti, a Citigroup analyst cut Carlyle Capital shares to a sell this morning AFTER they failed to meet margin calls and got a notice of default.  In case my buddy Don is not clear on the concept, you want to issue sell ratings on companies typically BEFORE a company defaults and gets liquidated.  Note to Vikram Pandit:  Giving this useless tool the axe may help with your overhead problem.