Just read an interesting article in Investments news about the trouble integrating ML PBIG with U.S. Trust (Merrill Lynchs Private Banking Investment Group handles $10 million and up accounts while U.S. Trust includes legacy B of A Private Bankers and had a $3 million minimum if you weren't aware) and was curious if anybody who else  competes against either of these two units was using this specifically in a way to recruit potential clients other than playing the this is why you don't want to be with a behemoth financial supermarket type organiztaion card?