Your right about one thing. It is different now than a few years ago. Bank of America is stronger than it was a few years ago. BAC is going to pop once a settlement is reached with the states. If theres no good settlement for BAC, then BAC puts countrywide in BK. Make sense? This is the easier money to be made ever. How long it will take to double your money nobody knows but.... it will happen. BAC will be dougle digits.