also, thanks for the two-tone valuation, with the “probable year” vs the “everything has gone wrong year” showing us what knowledgeable fans like Tom Brown must be seeing in their own internal analyses — that this company in the low 30s was priced as if every conceivable worry was sure to become reality. so far, absolutely none of the short-term analyst fears have come to pass. remember that the argument that clients JPM or BOA will be inevitably leaving has been made for years now! gee, someday they just may be correct.