AF would be a great fit for NYB. It's big enough to be worthwhile for NYB to exceed the $50B threshhold. It's deposit rich. Its overlapping footprint would allow for significant cost savings. AF is slowing digging itself out of the brokered mortgage hole that it got itself into (in part by getting into NYB's multi-family niche.) If NYB paid up to 2X tangible book (or about $22), AF shareholders would be happy & NYB shareholders would be also as NYB puts AF's resources to better use.