A deal with RF? I certainly hope not. I enjoy complaning about BB&T as much as anyone but RF isn't just a dog; it's a mangy flea-bitten mutt with a franchise centered in Alabama (we've seen a lot of that state on TV recently). In my opinion, BB&T has all of the Alabama presence it needs. BB&T's performance issues can easily be fixed with new management. RF can be fixed with a tear-down and rebuild. This will be an expensive proposition that will take a long time to complete and one which any fool who acquires RF will pay for. If I were an RF shareholder, I would pray for an acquisiton by someone that has better "paper" and, of course, that is practically anyone. The challenge facing RF is finding a strong suitor with a sensible strategy for the future that has really incompetent management. However, as hard as it may be to believe, these companies do exist.