I have not posted here for a long time. I read your's but would like some commentary on loan growth, NIM performance, and BB&T's credit decision process. That BB&T may be digging itself out from bad loans is fine, but as a pretty large financial insitution, that should be yesterday's news. Credit spreads have tightened dramtically over the past quarter and issuers are teking on, refinancing, etc. at a fairly hefty level ("feasting" on low interest rates is how the WSJ termed it). This stock will go no place if the focus remains balance sheet repair. The market wants growth right now. I look on this stock to almost a decade ago when it was in the high 30s. Long way yet to go. And they wont get there unless (a) they make substantial increases to assets and (b) those assets yield enough to raise the dividend, becuase (c) their current asset base is withering, eventually these loans come due, and if the borrowers dont stick with BB&T then you have a real problem.