Amid fears yesterday that the plans from the government would be insufficient to save the credit crisis, the shares of the Royal Bank of Scotland (RBS) dropped to just 11p, a drop of more than 65 per cent. Lloyds Bank did not fare much better as it lost more than one third of its value. Customers have been advised that this huge drop in share prices does not at all affect the money deposited with the banks, but it does mean that RBS could potentially be nationalised, perhaps within just a few days. The government now owns 70 per cent, which in effect means it is practically nationalised already and shareholders are likely to lose all their money. The shares dropped within just a couple of hours of the announcement from PM Gordon Brown and the Chancellor Alistair Darling about the emergency plans from the government. Media coverage about the potential bankruptcy of this country and the impending official announcement that Britain is in a recession does not help as it just causes people to panicfurther.