Lot of potential for cost cutting. Will eliminate more than half of the comm'l portfolio (way too many comm'l r/e loans) - so should be able to eliminate 1/2 of comm'l lenders and all of credit w/in 18 to 24 months. Operations gone as soon as third quarter. Higher paid retail will be targeted and gone if they can't sell. I can see a headcount reduction of 50% inside 24 months.