And by "insolvent", I mean that in the technical sense - I don't think Gox has immediate access to all of their deposited customer funds. I think some if not most is locked up in frozen bank accounts.

That's so wicked. Laughed

Back in June, when my transfer languished for 4 days "confirmed". I cancelled it, bought coins and sold them in small lots locally. Have exited MtGox until and if they ever get their act together and stop treating customers like mushrooms (in the dark, fed on sh*t).
Tried Bitstamp and like it a lot. Except, their order interface is a dinosaur like Mt.Gox's. Many thanks to Bitcoinwisdom and Clark Moody that we can see what the BTC markets are actually doing (because the exchanges sure can't tell us).