The new giants of financial services have a lot of old inertia to overcome if they are to become the one-stop retail supermarkets that they want to be.

In general, consumers have not voted with their assets in favor of the one-stop financial concept. Recent surveys-including one done since the category-blurring Citicorp-Travelers Group merger announcement in early April-indicate a persistent skepticism about putting most eggs in a single company's baskets.

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