I agree 100%, there are creative ways around stuff.
And with 2239 branches, say 90 % were owned the balance leased, and each one CONSERVATIVELY WORTH SAY 2 mill, you run the numbers. 2000 X's $2,000,000= $4 bill or aprox 40% of face for pfe's, NOT COUNTING any other items such as MBS or ABS, TRUSTS, mortgages ect, THAT MAY BE LEFT to come to US............