From a competitive standpoint, probably the most sensitive issues are in the Boston and Massachusetts areas. There's going to be some risk to Fleet's dominance there, but I'm not really concerned.

From a competitive standpoint, probably the most sensitive issues are in the Boston and Massachusetts areas, ... There's going to be some risk to Fleet's dominance there, but I'm not really concerned.

In hockey towns, like Boston is, the true fans are always going to come out. No question about it.

We believe it is unlikely that Citigroup knowingly participated in fraudulent activity related to Enron, and history suggests bank stocks bounce highly after a market crisis.

The principal reason for Citigroup's shortfall versus consensus was the 10 cents of charges related to Latin America, which were expected. The order of magnitude was harder to ascertain but the fact that they were going to have to take additional charges was expected.

We believe it is unlikely that Citigroup knowingly participated in fraudulent activity related to Enron, and history suggests bank stocks bounce highly after a market crisis,