So I sold RY as it had relative out-performance during this mini scandal and bought TD the day before the annual meeting. My thinking was that there was nothing of substance in these charges. To me, it speaks of a few employees who can't deal with the "pressure" of working in a meritocracy having grown up in a "participation ribbon" environment. I was happy to hear the CEO say that out of millions of clients, only a 100 or so escalations were in the works. Having been satisfied that this issue has no legs, I'm glad I put skin in the game, unlike many of the bank-bashers on this board who wouldn't know what it is like to participate in the capital markets and actually put money at risk. So far TD is now back to out-performing as it has some catching up to do. Next up?.... the dreaded up-selling of extended warranties at Best Buy....oh the horrors!