Article: How to cope with seismic shifts in the sector

The financial turmoil at Merrill Lynch & Co. and Lehman Brothers Holdings Inc. has turned Wall Street upside down. The crisis is also spooking Main Street. Here are some answers to questions about how all of this affects you.

Q. If Merrill Lynch is my stockbroker, should I be concerned?

A. While the nation's largest brokerage has struggled, Bank of America Corp., the nation's largest bank by deposits (with about $800 billion), is acquiring Merrill. The deal is expected to shore up Merrill's finances.

Q. Takeovers can cause chaos. Is my money safe with Merrill?

A. Yes. But there could be disruptions as the companies themselves reorganize or consolidate offices. Merrill or Bank of America ...

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