Bob, You posted the message earlier, I believe, with the "prettying up" comment about STI. I don't think this is the case. Read up on Nardelli at Home Depot. I think that STI is going through the same type of situation right now. I don't think that we're going through some window dressing for our suitor. I do believe, however, that STI is not making all the right moves. We are getting hammered by the analysts and the stock price is nowhere close to where it needs, or should, be. If our current situation continues, I think that a BAC (or someone else) will have to make an offer because we're hanging ourselves out there for the taking. Humann is starting to disgust me with the "banking industry is hurting right now" crap...it may be down, but how do you explain the numbers turned in by SouthTrust, BAC, Wachovia, BB&T? And all of this comes on the heels of our massive expense cutting that yielded a 6% INCREASE in non-interest expense??!! And we're blaming this on our One-Bank initiatives? Those expenses have already been taken over the last two+ years...they DID NOT all hit this last quarter. I, for one, am at a complete loss for what must be going on with the Board...maybe they are doing something for a sale...who knows?