Thanks Akvetch, now, if I was a conspiracy theorist, I would say that Wachovia planned their downgrade perfectly, a week before BSTE announces a minor shortfall (which I am still not sure will be actualised) and before a relatively good announcement from the company (the results actually indicates that emergency rooms are discharging quite a number of people without appropriate treatment that die within 90 days...they also keep in the hospital a bunch of people that only discomfort is a stomach ache (g).....The active use of BNP should eliminate that small problem.