OT: I just read yesterday about C and its use of some type of <a href="http://www.businessweek.com/magazine/content/07_46/b4058049.htm?campaign_id=yhoo" target="_blank">http://www.businessweek.com/magazine/content/07_46/b4058049.htm?campaign_id=yhoo</a> seems citi may have a bit more to go - here is a recent article about JPM- it is in good company here <a href="http://www.fool.com/investing/general/2007/11/06/happiness-is-a-portfolio-like-this.aspx" target="_blank">http://www.fool.com/investing/general/2007/11/06/happiness-is-a-portfolio-like-this.aspx</a> If you invest for 20 years - then it may not makke much diff when u buy.