The Fed's Stress Tests

I think it'll take three or four years. The inside of the Fed, particularly the bowels of the examiners who really control how fast deals get approved, they're not in a hurry to approve mergers. So I think it's going to take a couple of years for that to happen. But along the way, the banks are going to still make money. You know, this quarter coming up will have a lot of reserve building extra provision expense. That's probably why the estimates have to come down a little bit but the stocks really have reflected that for several weeks.