WMI is large enough to go out and buy a local nw bank after they have restructured. They have all of the infrastructure and talent. There are about 8000 banks in the USA and many of them are in trouble. WMI comes in and picks up a 10-100 unit banking arm like West Coast Bank and we are back in business.All of our shares are in tack and the we are green and growing. JPM changes the old WM signs to JPM signage and we change our new banks signs to ours.