SunTrust's board had its chance when SunTrust stock was $94 in July 2007. SunTrust was worth a lot then. It had something to sell. JPM badly wanted them then, remember? Well, the SunTrust board blew it. The banking industry will never be the way it was, not for many, many years. There are far too many banks. Big bank mergers are not likely in today's world.