Shares in the insurer American International Group, or AIG, opened 40- percent lower this Tuesday after several credit agencies cut its ratings. The insurer will now attempt to drum-up Bbillions of Dollars in aid to keep it from going under. AIG had been seeking a rescue package from the Federal Reserve, but so far to no avail. If the insurer fails to obtain fresh funding by Wednesday, it could soon follow Lehman Brothers into bankruptcy.