1. Matt Pregozen TJIC

2.  Banking  Investments  Life Insurance  Retirement Services

3.  Announced after 2008 Recession  Streamline to reduce costs  Separate Bank and Insurance

4. 2009Q3 2010 Net Profit Margin -3.27%8.40% Operating Margin -4.63%11.96% Return on Average Assets -0.12%0.34% Return on Average Equity -6.63%8.89% 12% 17%.5% 16% http://www.google.com/finance?q=NYSE:ING

5.  100% Carbon Neutral  SRI Investing  Program with UNICEF

6.  Smaller Insurance/Banks  Netherlands: Aegons (insurance), Axa (both)  USA: Prudential (both), Metlife (both)

7.  Yahoo Finance: Strong Buy  Motley Fool CAPS: 4/5 stars  Variance: V[X +Y] = V[X] + V[Y] -2COV[X,Y]

8.  Price: $9.93  52 Week: $6.78 - $11.45  Mkt Cap: 37.56 billion dollars  EPS: 0.15  P/E: 62.83  Beta 2.77

9.  Buy  Stop at $9.15  Sell  Limit at $11.25