Q: Big bank earnings approaching. What do we anticipate and how will the sector respond. Some regional banks look attractive. Do you agree? If so, which names look nicely on sale.

Q: AVL has been doing extremely well recently and I’d like to know if you think its performance is likely to continue, and what you think about it in general. As of Feb 3rd, it’s 20 cents a share. Do you see it ever getting near its 2011 peak of $9 again?

Also wondering if you could comment briefly on the outlook for CIT, a financial name in the USA. Thanks.