"AIG bailout, again?" joke

Under a new deal, the government revamped its rescue package to the insurance giant, AIG, saying it will give an additional $30 billion on an "as needed" basis. AIG's bailout now totals around $173 billion. The U.S. government has now made four separate efforts to save the company.
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Maybe I just don't understand these things, but shouldn't AIG have had insurance?

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