The big thing is, will [Ryan Beck] be spun off next year?

This is good for the sector. People will think more about takeovers.

If you want to roll the dice, roll with Fleet. If they screw up, they're sold. Its put up or shut up time.

All indications are that things are looking better than what you see on television.

Just because I went buggers, doesn't mean you will. This stuff is not strictly hereditary, they know that now. Listen to me, you're going to be OK.

It will be a tremendous benefit.