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First off if you are I would like to congratulate you on coming through this year's massive headache.  That said, what is your opinion on all these mergers and buyouts?  BAC just bought MER and the subprime crisis is still in midway through at the max in my books.  That + the Lehman fiasco.

What worries me the most is if a large refinery get's hit, say the Saudi Aramco Ribigh facilty.  That is another thing to worry about and would make the subprime crisis look like a cakewalk.

Thoughts?