Just my opinion but I'm not too concerned with powerhouses like Citi, BAC, Wachovia, etc. All of these will come back strong and I think the probable decreases in their dividends will be temporary, and have already been factored in to their current dismal stock prices. Even with dividend cuts, these banks will still be yielding about 4.5% with a tremendous potential upside. A year from now, we'll all be saying why didn't I jump on these banks. Again, just my humble opinion. And I still love BK a whole lot.