CITIBANK

I put my first HK$50,000 into HSBC Holdings shares and thousands more afterwards.

I have given my three-year-old one lot of HSBC shares, plus a teddy bear, on each of her birthdays. Like many of my peers, and many of you, I was a die-hard HSBC supporter.

I had my first outing at the "Lion Bank". A photo of me as a girl and Stein the Lion still sits in my drawer.

WASHINGTON (AP) -- It's something any bank would demand to know before handing out a loan: Where's the money going?

But after receiving billions in aid from U.S. taxpayers, the nation's largest banks say they can't track exactly how they're spending the money or they simply refuse to discuss it.

"We've lent some of it. We've not lent some of it. We've not given any accounting of, 'Here's how we're doing it,'" said Thomas Kelly, a spokesman for JPMorgan Chase, which received $25 billion in emergency bailout money. "We have not disclosed that to the public. We're declining to."