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Ever have one of those days when you got up really early and thought you had loads of time? Then suddenly you looked up and you're late for everything? Welcome to my first day on the job.

It's been a busy morning. Shares are falling sharply, because of worries about the banks' finances and the various bail-out plans (or non-bail-out plans) on both sides of the Atlantic. We'll look at that from the City.

We also got a lot of emails over the weekend about just how safe our money is in the bank. We're going to answer as many as those as we can.

There are two sides to this. Some of you have stored your money with banks from Iceland. In fact, a surprising number of Brits have gone to Iceland, thanks to the big, fat savings rates they've offered in recent months. But now one Icelandic bank has been rescued by its government and there are reports of crisis talks about the others. So are you covered if the worst happens? Tune in at 1230 to find out.

The other element is the German government's promise to its citizens to protect all of their money. The thinking in some quarters is that if the biggest economy in Europe has to make that sort of pledge, our Government will have to follow suit. However, our business editor Robert Peston has been digging deep into this and the promise doesn't look as copper-bottomed as it first appeared. He's writing about this on his own blog - www.bbc.co.uk/robertpeston - take a look for yourself.

We'd like to hear from you if you've got money in foreign banks offering accounts here in the UK - if only to judge just how much attention you want us to pay to this line of the story. Don't put your personal details in the comments; email us instead on working.lunch@bbc.co.uk

Got to go. I'm late. And Naga has stopped hogging the make-up room. Wish us luck!