Don't believe this will happen this year. BAC's still facing allot of unknowns given the legal landscape. Stocks moving more than decently based on the last week or 2. Based on every time the banks looks to generate income in a different way the government and or states starts with the chest thumping saying "It's not FAIR". Until a solid pricing/business model is in place providing sustainability they should NOT be spending cash they may need over the next 18 months.