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Gosh, I feel like I'm on probation. Sorry that I was unable to forecast the adc loss severity rate at 85%. Sorry that I refused to buy into ecri assertion that the United States was in recession in the 4th qtr of 2011. Sorry that I did not go along with nobankerplease comments about how bad things are in the banking industry by providing fed bank data which contradicts his opinions.I'm going on vacation. You folks can do your own due diligence. You're fortunate that bbt investor relations provides nice quarterly updates on their websites. Good luck!