If I can't vote for WM (and that's really not fair), then I am voting for WB, because it also has a lot of toxic pay-option ARMs.
Strong Rumours this hour that MS is having a shotgun wedding with some Asian bank. Part VI coming right up once confirmed. I'll readd WM to the list which means we have part VII by Saturday and possibily Part VIII by Monday if more funky Fed takeovers happen on the weekend. GS will also be added to the list because frankly there is no one left!
WB came to you MS.... Definitely not a good combo. Walk away MS. Walk away. There are much better options out there.