The Importance of a Strong Balance Sheet

I think banks that have a strong enough balance sheet are going to see this as an opportunity to continue to consolidate. I think there may be people who, but they will expect to do it at, you know, better price. And I think on the other side, there will be people who may have thought of selling last year, who are not going to want to cool it. If their balance sheets fall under stress because if they're underwriting practices, having good good, they may be forced to sell.