"In my career, this is the first time that a de novo can be advertising strength versus the larger competitor, when, in contrast, it used to be the exact opposite."

Scott Reed, CEO of Oakworth Capital Bank, on the effects of the banking crisis on marketing.

"I was a retired banker. Now with the market and financial meltdown and turmoil, I'm simply an unemployed banker."

Brian McGinley, former svp and group executive at Wachovia, now principal of BGM Risk Management.

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