UMPQ's assimilation of past merger, acquisiton activity is likely not operationally completed. The jury is still out and long term EPS results unknown. We all look for the best, but look at Bernie Ebbers and Worldcom. He was a hero during 1997-1999, now he's out of a job and Worldcom, the second largest telephone company in the U.S. is loaded with debt selling for less than $2.00 per share. UMPQ is selling at more than 30 times earnings! Solid business decisions, not business glory, or ramp-up are very essential now. With essentially a new Board of Directors, it's a time for analysis and consolidation to maximize efficiencies.