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The combination of illiquid, highly leveraged and "toxic assets" along with major write-offs and now government bailouts has resulted in a wave of mergers and acquisitions. Consumers and businesses alike will have fewer choices, not to mention major layoffs of bankers.

New "Lead Banks"

Consumers in general and business in particular cannot afford to sweat out the current financial crisis in order to shore up their financial condition. One aspect of our current market malaise is certain; the choices for both businesses and consumers for financial services are becoming larger but fewer. To what degree this will manifest itself in pricing and availability is an unknown at this point.

Business in particular will be impacted as the list of so-called "bulge-bracket" firms has changed. Witness the following mergers so far:

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