tomo: Not sure why you would call JNJ a "dog". It's sitting at a 52 week high! If you bought the dips over the last year or two, you'd be doing OK (though not spectacularly, and maybe that's your point). BAC, like JPM and C, are more difficult to assess than the non-financials for obvious reasons, i.e., everyone is waiting for the other shoe to drop, but don't know if that shoe has been factored in to today's price. I lumped all 3 of them together. C is probably in the worst financial position, but the stock has been beaten up worse than the BAC and JPM.