i'm carl quintanilla.teve leisman and michelle cabrera are joining us this morning. >> our story, charlie gasparino broke the story yesterday that ken lewis is stepping down by the end of the year. no replacement has been named, but analysts say six internal candidates are seen vying for that job. b of a stocks did rally on the news after hours. the merrill deal announced last september's stocks have shed some 50% since then. the stock is called higher this morning, as well. we'll see what happens later with b of a and as the guessing game begins, michelle, in earnest of who wants this job, who would take this job and who would the board would pick for this job. >> let's start that game right now. joining us on the phone is jeff hart. jeff, first of all, ken lewis stepping down, good or bad for the stock? >> i think that the stock's reaction, as we saw last night, will probably be above. there's just been so much negative sentiment toward him, both by in the press, from regulators, that it's become a distr