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you can use it for T.P.
You know what happened to BAC in March 2009 right ? it was $2.68 now $13 - $18 Big ship was about to sink. Citi was $0.99 Guess what people like you will bad mouth now. Will feel later 3 - 6 months time frame. You will say oh my god I could have; would have but AIB at $1.57 my bad I missed it.
The Irish banks are not BAC and C - no comparison. Those banks are global powerhouses while the Irish banks are sleepy local retail/ corporate banks nearly entirely dependent on Ireland.If you want a lottery ticket buy C, not Irish banks.