It is not clear to me that BBT will be able to take advantage of the new bill as it doesn't have a significant amount of bad mortgages to sell at a discounted price to the government. So why not buy a bank that does and ride the increase in value that accrues to that bank? Either merge or spin-off the healed bank in a few years at a greatly improved price per share. Nat City is the bank I have in mind. The price has been slaughtered but it appears the write downs are behind them. I believe it is trading way under book. If they can sell impaired assets and get cash for them their ratios improve and the value goes up. It seems to me that BBT gets to buy a bank and have the government finance much of the purchase.