The headquarters of investment banking and securities firm Goldman Sachs in lower Manhattan on June 22, 2012 in New York. Ratings agency Moody's decided on June 21, 2012, after stocks closed in New York, to cut the credit ratings of 15 of the biggest names in banking, including Goldman Sachs, Barclays, Citigroup, HSBC, Deutsche Bank, JP Morgan and Morgan Stanley. Moody's said the banks were exposed to the roiling financial crisis and to each other. AFP PHOTO/Stan HONDA / AFP / Stan HONDA        (Photo credit should read STAN HONDA/AFP/Getty Images)