Thanks. This is what I am talking about. This is one chart covering 0% of BAC liabilities and 20% of their assets. Seems like it is missing a lot of useful information. Yes, BAC did not optimize the opportunity, but that is not what the headline read. The headline read “trouble!”. What trouble. BAC earns $3.50+ per share. Has hundreds of millions in cash, no need for hot money (CD’s). Low credit risk profile (BAC has a great chart in one of their presentation comparing 10 years ago balance sheet to today). If you want to know the real story on BAC, don’t read the hacks in the media, just go through BAC quarterly presentation and the recent open discussion I think at MS conference (this discussion is great if you are like me and grew up in consumer banking). They go through in great detail their philosophy on banking and their key performance indicators. Don’t be an armchair finance guy, be a banker and see what they have built. There is nothing more important than credit discipline. Same as insurance and pricing. You should be very impressed and all of your questions might get answered. I like WFC and they are a fan favorite, but their credit profile is no where near as solid as BAC. But they are fine as well. Every bank is different.