The Bullishness of Bank Analysts

M&T Bank and Key Bank were upgraded to buy from hold by Citigroup analyst Keith Horowitz. Al, can you walk us through what's happening? We're at a level where the good ones, he feels like they're upgradable. I think you should always start taking looks, never waste a crisis,. And if you want to nibble away at M&T or Key Bank because Keith likes them, I think that's not a bad idea.