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

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

The large-cap bank sector hasn't done well in the past few years -- we were overdue, in some respects, for a rally in this sector.

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