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Meredith Whitney

|Includes: Wal-Mart Stores, Inc. (WMT)

This gal's playbook isn't the same old playbook many CNBC talking heads bring to the table.  Says banks will have to have "rockin" capital markets (trading profits) going forward to offset lack of loan production.   She says bank earnings estimates will come down.

Says consumers are still hurting.  26% of Americans do not have bank accounts. Says Wal-mart prepaid card business is exploding.  (people are 'banking" at Wal-mart).


Disclosure: no position in WMT