Who here thinks that BBT is a takeover prospect in 2-4 years? Why: 1. No opportunities for revenue growth. They can't grow loans, non interest income continues to fall with NSF limitations and reduced merchant visa income. 2. Aniquated business model. Community banking only goes so far. The model is expensive and an easy way to boost the bottom line by getting rid of so many middle managers (Reg Pres, Operations and Retail Banking Managers) and support personal. 3. Commercial lending has smaller margins, higher risks and the bank can't stomach the risk associated with many of these loans.