I disagree with a bearish stance at this time. Prices have fallen yes, but they have also shown remarkable resilience in that they were predicted by some to go much lower. Lets assume there is `war`. It will probably be over very quickly given the allies superior fire power and technology. Therefore frankly if you are not in at these levels and you buy later when it`s `safe` you`ll miss out on a 10 to 20% rally. I`m only speaking here and giving my opinion on banking and insurance stocks. £4 no chance imo. Therefore I`m confident this will be my last post to this thread. The thread I recently started will be more appropriate as the title does`nt forecast a price.