Buy when they hammer banks and overweight on extreme weakness (like the past week).....take off overweight on rallies,but maintain your core position...its going to be a crap RE biz for awhile but the stock will discount that....all surviving banks will go dead and try ones patience..put hbks away and forget about it but build position over next year to year and half....with the right yield curve they could mint $...too many banks run by amateurs anyway....VaS