I work for Merrill, and as you know we are owned by B of A. Everyday someone comes in here and shows me their B of A newspaper clipping of a 4.25% 6 month cd, I ended up saying, "wow, you should go down and see the new account rep at B of A, because I do not have access to those accounts". Shit I bet I have watched a 100-200k worth of commissions walk out the door, that hurts.