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To: Brooks Jackson who wrote (6582)	8/11/1998 11:23:00 AM
From: joshi	Respond to of 8545

Hi all, Im back again at 22.25. I sure hope earnings are good today. This should be trading a lot higher and the market isnt helping any.

To: Brooks Jackson who wrote (6582)	8/11/1998 11:26:00 AM
From: micny	Respond to of 8545

Brooks, I simply cannot fathom any of the majors (those that CF cares about), or for that matter many of the second tier or smaller banks choosing to do this kind of business with Citi, knowing how predatory the known to be. I also happen to be one of the folks that think for a long time to come the general populace will continue to want to do business with an institution that has a convenient presence within reasonable proximity to where they reside. Lastly, I think most people presume that their bank will bring out the same, or similar capabilities near term and thus wonl;t change unless, given a reasonable time, they fail to. ...but, as everyone always says, I could be wrong!