When there is a reference to all of BAC's alleged credit problems, that's considered to be a major concern. And yet FTU and also WB I might add have credit problems and that is downplayed by the very same people who talk about BAC in a negative way.
F. Scott Fitzgerald once defined "intelligence" as being able to deal with two seemingly conflicting ideas at the same time. I guess that means there are some intelligent people out there. But I bet Fitzgerald wouldn't have voted his WB shares for FTU, which happens to be my definition of intelligence (or the lack thereof in this case).