Topics covered: Takeover candidates in a buyers market, Stocks to sell, Stock picks, Rising non-performing assets and charge-offs, Overstaffing of middle management in banks, Outlook for the Fed and interest rates, Outlook for industry consolidation, Misleading FICO scores and subprime mortgages, Management performance, Investor interest, Hedge funds removed from the market, Difficulties with bank foreclosures, Declining reserve allocations, Declining private equity investment, Cost cutting programs, Consumer debt burden, Competition with de novo branches, Collateralized debt obligations, - The subprime market collapse and its impact