CraigI think the US bank situation has been fully explained , but recap , problem with the Regionals , lower dividends than in Canada, and while the CDN Banks have been tarred with the same brush , the US big Banks and poor Regulations in the US are a big part of the root cause.What l find more interesting and amusing is the fact a veteran member of almost 4 years has only made 9 posts and his first and only like came from his debut performance on FTN.Quite sure the Band of Merry Men here will welcome you with open arms.