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Poster,My family has been with the Northern Trust for over 20 years.They had us go from 70% in stocks to 20% in stocks 18 moths ago. We sold our Citi for $36.00. We sold our BAC at $45.00. Here is a list of stocks the Northern DID NOT buy for our accounts:WAMU, F, Fannie, Freddie, Countrywide, Lehman, Indymac, AIG, AMBAC, MBIA, GM, and any homebuilder, any automotive, and any other finacial except JPM.It is amazing.....they stayed clear of almost every single "blow-up" stock. I assume they did this for all of their private wealth clients.Over the last 18 months, we are down less than 10%. The average trust account is down close to 50% over that time frame.Trust who you wish. I'll be playing golf. :-)bg