The volume exhibeted in the last couple weeks even on down market days clearly shows accumulation of First Niagara Financial Group shares. Insiders have been accumulating ahead of any major news, and the recent gathering with Merrill Lynch and Bank of America is not without reason. My view is what I have been saying from the beginning that a much larger financial will go after First Niagara. All the negatives are gone. Accumulation is definitely happening and after traveling as a Real Estate investor, I have seen a rise in home sales and home prices from Phoenix Arizona, to Sebring Florida. The housing Boom is clearly starting. I have already seen momentum in flipping houses again. Mid sized banks are going to make money and lots of it! In one area I invested in in rental properties, all the rentals are now occupied. I have people waiting for vacancies. This was not the case a year ago. In the Northeast the properties I have are both occupied and sold, especially in the Buffalo NY, Niagara Falls NY area as Casinos have been brought up in the very near future of First Niagaras location. We have seen many homes marked for foreclosures sold and renovated. The bank with the most lending for profit? FNFG!