I, like the rest of you have enjoyed the ride in bank stocks. Great efficiency has been wrung out of the system and the shareholders (and CEOs have been rewarded). Problem I see is who is holding the cards when the house topples. It will too. Not because management is not doing the job, but because every good thing comes to an end. End will come when the economy turns down or smart money decides valuations are just too high. I cannot predict when. My shares are 401K shares, so I am less inclined to live and die over a pullback in the next ten years. However, if BBT was acquired, I believe I would have to deversify and wait for more sane valuations. Just and opinion.