Extract from today's Daily Standard : "However, we believe that aggregate balance sheet growth challenges, and limited earnings visibility post CY2011 will prevent the sector re-rating materially over the next 12 months." Huh?? I think they are saying "There are a number of problems which could limit profits and we are not able to predict clearly what will happem after 2011. This means that the sector will not become more profitable in the next 12 months." Whats wrong with that simple Engleeesh.