but don't confuse this bank with KEY. KEY has missed 4 straight earnings estimates, has sold everything they could, is horribly managed, and is laying off thousands of workers. While I don't think CMA's management is particularly shareholder friendly, I do think that they can manage risk and run a bank. They should have some nuggets of earnings left to help them meet their number. But as I have said before, no good news will come out until this year's options are priced by the board.