That doesn’t resonate with people who write 10 checks a month.

Wachovia faces a difficult dilemma in seeking growth in 2006. It’s coming off a really outstanding year in 2005, and it has reached the size when it’s really difficult to sustain double-digit performance growth.

There will be a real shortage of line supervisors and on-site supervisors. That’s were the crisis will be most acute.

What we’ve seen is a lot of pent-up demand.

What BB&T is doing is putting its commercial-lending muscle and its shareholders’ money behind its corporate philosophy of supporting private ownership of property.

After all, why should consumers pay for free-standing real-estate offices and branch banks when you can combine both service offerings under the same roof?

It’s coming off a really outstanding year in 2005, and it has reached the size when it’s really difficult to sustain double-digit performance growth.

I think they’ll continue to explore options outside the United States, and they’ll continue with non-bank acquisitions.