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Hey Paul, thanks for the insight into this Visa deal. You really hit the nail on the head and think you may be on to something. I don't think the market has caught on to this yet and I think you may be right about this deal giving some of these banks a nice push upward, especially the quality banks like Wells Fargo.

Getting kind of off topic here I want to ask your opinion regarding the overall market. I heard on the news recently that a large bulk of ARMs are expected to adjust a couple months from now. Analyst Meredith Whitney of Oppenheimer, expects a lot more bad news to come in the financial sector on top of this. I know a lot of people have mixed feelings right now but I just wanted to get your quick opinion on where the general market might be headed over the next 3 to 6 months.

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