After months of negotiation, JPMorgan Chase & Co. (JPM) has agreed to a $13 billion settlement with the U.S. government over the sale of its mortgage bonds. That figure includes a $4 billion settlement of the 2011 Federal Housing Finance Agency???s lawsuit, as well. However, the $13 billion figure will not break JPM???s financial back, as the financial giant has socked away more than $28 billion since 2010 to cover mounting legal costs. And it may need every penny of that because this settlement does not include a resolution to investigations of JPMorgan???s recruiting in Asia, energy trading and its relationship with Ponzi king Bernie Madoff. Investors will wait to see how those issues are resolved next.