I too wonder if the right mix of people and products are together. Bad loans are going to be a problem for many banks in the future if the economy doesn't get better. Not sure about PA, but I hear in central NYS economy is not that good. Many reasons fron NYS Senate down to lowest level of emploees have to take some blame for it. Hopefully the NBTB management will look at the mixture of people and reposition some to better maximize their talents. As I said before if the right offer as made I think most stockholders would vote for sale.