I sold what amounts to 54%of my Bank of America shares this morning. It probably still has strong potential for gains because its price to book value is still low. But looking at the comments in the summary of our last rating it, we were considering it speculative and we were not impressed with management. Anyhow I have had a relatively large exposure to U.S. banking and I have made strong returns and it just seemed prudent to reduce this holding. As always it is a struggle to decide these things as one weighs the possible upside against the possible downside. It is seldom easy to decide.