I dont think you will ever see a voluntary sale. Investors have been looking at this for years...and now its really not that attractive. First the franchise is almost cultish, trying to change the culture of this bank would be akin to getting the Pope to allow priests to marry, just not gonna happen. Second, the assets are ho-hum. Third, the price is too high now, and s kept artificially high by an inefficient retail/employee following. So until the price is really low and an investor is willing to get dirty, you will never see a buy out. This Mgmt team and its Credit folks believe they are smarter than everyone else and simply would reject any reasoanble bid...if someone bid $25 for this company today, Mgmt would want $55, that's how goofy they think.