Here is my opinion. You may or may not agree with it. Regardless of what we have been told or promised, don't expect miracles overnight. Lots of paperwork and adjustments going on as we speak. Last year i was suppose to pass papers on my house. It didn't happen on the day it was to happen. It did happen a few days later. Passing papers on my house was a lot less complicated than any company merger and updating websites. This is a hold long situation. I am holding long. I see good things happening. Need to be patient. IMO.