ALSO NOTED: Bank of America to relaunch credit card; Will strategic buyers lead the next deal surge?; and much more...

Company News:
> RBS faces task of integrating with ABN. Article
> U.S. Bancorp profits slip. Article
> State Street barely misses estimates. Article
> KeyCorp misses estimates. Article
> Wells Fargo misses estimates. Article
> Commerce Bancshares beats estimates. Article
> Bank of America to relaunch credit card. Article
> IKB Deutsche Industriebank faults managers for losses. Article
> Yet more on Goldman Sachs' 3Q earnings. Article

Industry News:
> Will strategic buyers lead the next deal surge? Article
> Credit crunch hitting regional banks? Article
> Enron "whistleblower" a fraud? Article

Regulatory News:
> Franks warns of premature vote to proax issues. Article
> CDA disclosures to follow Sarbox precedent? Article
> Oracle continues to add compliance features. Article

And Finally... Family friendly policies and freeloaders. Article