The pressures are for retail banks to grow on three (or four, depending on how you count) fronts: insurance, brokerage, and geographical and cyberspace (the 4th dimension) territory; and BB&T has done very well on all three (or four) fronts. But so have WFC, STI, C, CMB, and others; for them the pressures are to buy more of what BB&T has. BB&T may nibble and bite more chunks here and there (buy into Tenn. and maybe Florida, more in Virg. and Georgia), but eventually the same pressures will come to bear on it and it will be bought by someone bigger. I work in the industry and that's where we're going, no doubt.