I am Impressed with the Jan 21 ResultsHave to give the new CEO her due, this is a very large turn around in a pretty short time . Pofit is way up, and that is a combinatin of better capital Markets earnings and much higher mortgage pre-apyment penalties, not mecessarily a good thing since the mortgage book is shrinking, while also materially triming expenses. Triming expenses is not something the previous leadership was ever able to actually do. Improving the effcency almost 9% over the same quarter last year and almost 6% from last quarter, is a very big move. It is still at 70% so there is a very long ways to go to get it to 50% like it should be but this is at least progress. Commercial loans are flat, and consumer loans, mortgages and deposits have actually slipped, but not by as much as they were in previous quarters. They may have finally started to stem the errosion of their customer base. Will be very interested to see if the new senoir excutives she is hiring can turn around the loan and deposit growth.