We'll know for sure when the charges are unsealed tomorrow, but for now, it's likely he's only been charged with a few counts of wire fraud and money laundering. Bank fraud has a max sentence of 30 years, wire fraud 20 years, and like Holmes found out (fortunately for her) - the amount isn't the total amount that was lost, but the smaller amount implicated directly in the fraud charges.

If you squint, you can maybe get to 37-40 points if they do get him for over $1 billion -- which is a serious sentence! But more on the order of 19-24 years.