Hi Stil. No predictions here. My guess is BB&T will determine it's own future. I think it general bank is as good as anybody's. I'd like to see more growth in investment banking to level out the margin pressure. I'm no pro, but it looks like w/o investment banking revenues and other highly speculative activities the big boys wouldn't be doing so well. As for layoffs, I think W and BoA call it outsourcing.