I have far reaching info from my 'inside' network in various financial institutions. After,the price fo PBCT is over $21.00, which should be by this September 2008, PBCT has a huge interest in buying up NYB -which has not been growing it's earnings too well. People's United should start going up after this Thursday to more respectable levels over $17.00 /shr. Once the stability and assimilation of Chittenden starts going more positive ....then PBCT will indeed make a bid for buying up New York Community Bank. I am BLUEBALLZHER and I will help make you more rich than you will ever do on your own recommendations. I have an execellent track record of picking winning stocks....and yes, that is why PBCT has such a large P/E ratio compared to other regional banks. The big/smart proffessional investors already know that the strong, well run banks like PBCT have a quality balance sheet and quality top of the line management!!!That is why they are willing to pay a higher multiple in price foe the same level of earnings vis-a-vis at some other regional bank!!! IT's great that Jim Crammer likes this bank as the NUMBER ONE regional bank in the USA!!! That's all dudes. Now start buying it up a these low levels and do something wise for your retirement assets in your portfolios!!!!!!! EXTREMELY STRONG STRONG OUTPERFORM BUY BUY BUY BUY BUY BUY BUY!!!!!!!