Cramer's own verison of an economic stimulus plan was outlined on Stop Trading today. The plan put forth does no make any sense according to Jim. It is a good boost for Apple Inc. ( AAPL ) and maybe for The Men's Wearhouse Inc. ( MW ). The problem lays in the banks. Bond insurers, specifically MBIA Inc. ( MBI ), Ambac Financial Group Inc. ( ABK ), The PMI Group Inc. ( PMI ) and MGIC Investment Corp. ( MTG ). With Cramer the bond insurers are declared bankrupt and the municipal bonds are given over to Warren Buffett. This would cost far less than the stimulus plan and rally the market. There are some negative elements but the insurers are the reason that America's large banks can't determine their exposure to bad paper. The four bond insurers are insolvent and the government should take them over, this along with a rate cut of 100 points would result in a 2,000 point gain for the stock market.