FDIC, The Banks, And WaMU

Item: banks can't loan to each other...money rates are surging. see the picture above. How can banks function with those rates? (They can't.)

Item:  Chinese banks are no longer allowed to lend in overnight markets to US banks as of yesterday   The Chinese government denies this.

Item: WaMU fails; is taken over by JP. Morgan

Item: if another bank fails, will the FDIC be able to secure all its deposits? (It has $50b. Bank balance sheets are usually a lot greater.)

Item: where will Congress get $200b to keep the FDIC afloat if more banks fail?