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Jeff LichtmanCharlie, when Cramer said "don't take your money out of Bear Stearns" he was referring to the stock. Never does Cramer during that give and take with callers refer to the viability of the investments of the stock; it's simply a stock picking round for him. During his explanation, Cramer looked like Barak Obama when he claimed he never knew that his pastor had said all those pleasent things about the USA.