Much is written and said about the magnitude and pace of change, which is manifest in the banking industry as consolidation, deregulation, and the resulting new forms of competition.

For all the challenges, declining market shares, and casualties in the merger wars, we must not forget that retail and small-business banking continue to be the greatest growth opportunities in our business. We must not forget that investment and savings products will boom asaging baby boomers turn into savers.

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