Bank of America (BAC 2.03%), Citigroup (C 2.15%), Annaly Capital Management (NLY 0.95%), American Capital Agency (AGNC 0.94%), and Wells Fargo (WFC 1.99%) all rely on short-term or repo-funding, some more than others, though. In this segment of The Motley Fool's financials-focused show, Where the Money Is, banking analysts Matt Koppenheffer and David Hanson discuss how these companies have changed since 2008 and why Annaly Capital Management and American Capital Agency may not be as exposed as you might think.