How Emotionally Intelligent People Turn Frustration and Stress Into Fulfillment and Achievement

llustration: Getty Images

Sometimes a frustrating problem turns out to be a solution when viewed from a different perspective.

Every operator on our team brought their paperwork to my workstation at the end of a job. Every operator in the plant brought their paperwork to those respective workstations. Except for Mike — and since it was my job to collect all the paperwork and turn it in to production control, I had to make the 30-yard walk to the head of the line six or eight times a day.

And it irritated the (crap) out of me. One day I was grumbling to another operator. “I don’t know why Mike can’t walk his paperwork down like everyone else,” I said. He shook his head. “Why do you care?” he said. “You walk up that way four or five times a day anyway. Just grab whatever’s there on your way by.” He was right.

I wanted Mike’s paperwork at the end of the job, because it satisfied my need for order and consistency, but I certainly didn’t need it. The urgency I felt was self-imposed. So I just decided I would grab his paperwork whenever I went by.  And my frustration instantly disappeared.

Reduce Your Frustration

That’s a perfect example of cognitive reframing, In simple terms, reframing means viewing a situation or a problem from a different perspective. In my case, all it took was to look at the situation from Mike’s perspective.  He saw me walk by four or five times a day. Why should he take time away from a job changeover to bring me his paperwork? His time was better spent getting us up and running on the next job.

In fact, every operator’s time on our crew was better spent that way. So I started collecting everyone’s paperwork, which ultimately saved us about a minute per job changeover. (Saving a minute doesn’t sound like much, but we were already so efficient that one simple change reduced our changeover time by nearly 8 percent.)

That’s why at least one therapist calls reframing “therapy’s most effective tool,” and science agrees. A study published in Emotion found that reinterpreting a stimulus (viewing a situation or an event differently) can significantly reduce feelings of fear. A study published in Journal of Evidence-Based Psychotherapies (interesting title; shouldn’t every technique be evidence-based?) found that reframing can increase pain tolerance and decrease pain intensity.

A 2012 study published in Journal of Clinical Psychology found that reframing can significantly reduce feelings of stress and anxiety. The key is to make your emotions work for you, not against you, by viewing a frustrating situation from a different angle. As Inc. colleague Justin Bariso recommends, when you’re frustrated, take a step back and ask yourself a few basic questions:

  • How serious is this problem? Am I getting worked up over nothing? In my case, Mike’s paperwork was definitely a non-issue.
  • Can I change something about how I view the problem that would completely change how I feel about it? Viewing the problem from a different perspective — not as an irritating behavior, but as a way to improve productivity — eliminated my frustration.
  • How can I handle this problem differently so I can direct my emotional energy to bigger, more important issues? I sought compliance with “this is how we do things around here,”  so I wanted Mike to change. But I didn’t need him to change. What I needed, what we all needed, was to be more productive, and that’s where I needed to direct my energy.

Try it. Instead of dwelling on what you want, focus on what you need. Maybe that will mean picking up someone else’s slack in the service of greater good. Maybe that will mean overlooking an otherwise outstanding employee’s occasional quirks.

Reduce Your Anxiety

Or maybe, if you need to feel less stressed and more confident — and who doesn’t? — that will mean viewing the world a little differently. A few years ago, I was talking to Duff McKagan (OK, I’m name-dropping, but in my defense the Guns ‘N Roses bass player is a pretty great name to drop) about an upcoming TEDx Talk.

“I’m comfortable speaking to crowds,” I said, “but something about the TED style, format, and audience makes me nervous.” “Remember,” he said, “people want to see you do well. They want to see you kick ass.”Reframing the situation by realizing the audience would be on my side? I instantly felt more confident.

Say you’re anxious about a pitch meeting. You’re afraid potential investors will tear your presentation apart. That perspective — that fear — makes you see the people in the room as potential enemies. In fact, the opposite is true. Investors constantly search for great ideas, great ventures, or great companies. They need to invest in great people.

That means they’re on your side — not just out of the goodness of their hearts, but because your success could be their success. Which is why realizing that we’re all in this together, in almost every way, could be the best reframing approach of all.

Source: How Emotionally Intelligent People Turn Frustration and Stress Into Fulfillment and Achievement | Inc.com

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Diet Culture: Will We Ever Stop Obsessing About Our Weight?

Blame evolution on our obsession with our weight.Credit:United Press International Photo

It’s a secret shame that countless women feel, but only rarely admit to. “Am I betraying my feminist self by believing I don’t look good in clothes until I lose weight?” a girlfriend texted me a few weeks ago, after agonizing about the fact that she is now a few kilos heavier than she usually is. “I feel like shit about this. I would die if I had a girl and she said that to me.”I feel the same. My friend only told me this (I’m fairly certain) because I’d previously confided in her my own squirmy thoughts about my weight.

Like the shame I feel about having wasted years tallying how much dessert I’ll let myself have or how I feel about myself according to how tight my jeans’ waistband is on any given day. How is this possible, I’ve long wondered, when I’m intelligent enough to know that my culture has brainwashed me into wanting to look thin? And when I know that spending that time on literally anything else would enrich my life, instead of mentally strangling it?

“It’s super common … and a huge part of the difficulty that some people can have psychologically because they feel it’s mutually exclusive,” says Melbourne-based clinical psychologist Stephanie Tan-Kristanto, who has helped many people work through these feelings. “[They think] ‘I must be really terrible, or a bad person because I’m having these thoughts, and I shouldn’t be having these thoughts because I’m too intelligent to be worrying about body image issues’.”

It is an under-acknowledged water-dripping discomfort that many women – and to a lesser extent, men – experience. Because while the destructive nature of eating disorders has long been studied, the embarrassment and shame that come from an unshakeable desire to have a smaller body – when it isn’t accompanied by disordered eating, obsessive exercising, an inability to focus on vocational studies or career, or other signs of a clinical disorder – has not.

If anything, these feelings are getting harder to battle, says Tan-Kristanto, as an increasing amount of celebrities are giving us the expectation that 50 or 60-year-olds can still look, respectively, 30 and 40.And the impact can be significant, and lifelong.

“I think it’s really bad for one’s self-esteem because I’m constantly saying to myself, ‘I’m not good enough, my body’s not good enough, my legs are too big, my stomach’s too flabby’,” says one friend of mine, a 47-year-old entrepreneur and mother of two who has been fighting these feelings for the last 35 years (since she was 12 and her parents told her she was “chubby”). Though she’s long been a healthy weight, and enjoys a wide variety of activities including surfing and dancing, she says: “I can see the amount of time I’ve wasted in my life dieting, and thinking about food so much and counting calories.”

They’re feelings Tan-Kristanto hears a lot from patients, particularly those who present with depression and anxiety. “The shame is a feeling that you are defective,” she says. But there’s a reason so many of us have these feelings: evolution.

“Our brains are hard-wired to be Velcro for negatives and Teflon for positives, so we’re naturally our own biggest critics, regardless of how intelligent or educated we are in many ways,” says Tan-Kristanto, a director of the Australian Clinical Psychology Association. “Our survival and ability to continue living and thriving as a species requires us to be more aware of the dangers in our life. So we need to look for the threats in our life to be able to survive and reproduce.”

In “caveman days” the risk was a sabre-tooth tiger. In modern times, it’s anything that can threaten our ability to fit in, get our next job and find a great partner.

“And all of those things are absolutely related to our weight, and humans being a social species, you know our survival and our thriving is in many ways related to how well we fit in cultures. Obviously the expectations of how we look or what we weigh varies across different cultures and different time periods. But it’s still a universal thing that our appearance and our weight is associated with society accepting us, and fitting into cultures.”

I’d always assumed this is something I’d inevitably age out of, especially once I hit my 60s or 70s.Turns out, not necessarily. “She was in her 80s,” says one woman I know, of a woman she knew who was in debilitating pain. It had become so bad that this elderly woman could barely walk. There was a remedy. A particular medication that would alleviate her pain and give her back the use of her legs. No dice. “It came with a possible two-kilo weight gain,” says the woman I know, explaining why the woman in her 80s rejected the treatment, citing her appearance.

Intense fear of gaining weight is just one indication, says Tan-Kristanto, that a person has moved away from a “somewhat helpful” focus on being healthy to “mal adaptive” behaviours that require psychological intervention. Others include: extreme dissatisfaction with body image, “really low self-esteem”, feeling depressed as a result of appearance, avoiding social situations that involve food, repetitive dieting, skipping meals or fasting and exercising even when injured.

As for the rest of us? We need to do our best to drop our shame. “You can be really intelligent and educated, and understanding of the pressures that society puts on you, and you can still struggle sometimes with body image,” says Tan-Kristanto. Accepting this, she says, frees us up to focus on other parts of our life.

“It helps us to be a little more understanding and compassionate, so we’re not fighting things as much, and not being as stuck or fused with those thoughts. It helps us to look at the bigger picture of things.” So does fighting the stigma of our feelings, by sharing them with friends. “I wouldn’t underestimate the value of [having a friend] say, ‘Thank god, it’s not just me’.”

Samantha Selinger-Morris

 

By: Samantha Selinger-Morris

Source: Diet culture: Will we ever stop obsessing about our weight?

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Meet The Man Who Scams The Scammers , Jim Browning

We’re all targeted by scam calls and spam emails, but one virtual vigilante decided to turn the tables by hacking the hackers. Jim Browning is not his real name, rather a secret identity. Working in IT by day, by night he’s a virtual vigilante hunting cyber criminals.

In response to endless spam emails and robocalls telling us we’re experiencing difficulties with an online banking or shopping account, Browning decided fight back. He lets himself be scammed then turns the tables.

If they’ve hacked into his machine, he can hack into theirs; find out where they’re from, call them by their real name – even have pictures of them displayed as his desktop background to give them a shock when they try to take control of his computer.

Browning makes videos of his crime fighting exploits and has hundreds of thousands of followers on YouTube. They are bizarrely gripping. The scams are often ingenious, easy to see why anyone could fall victim. Then just as a scammer thinks they’ve gotten away with a con, the power shifts as Browning has them on the ropes.

Cybercrime has escalated through the pandemic now that people, tech savvy or not, have to rely on the internet for almost everything. In 2021, 45 million people were targeted by scam calls and texts. Which? reported a 33 per cent rise in incidents with consumers conned out of £2.3 billion during that (largely locked down) year.

So The Big Issue meets Browning on Zoom, to delve into the dark world of cybercrime to understand how we can protect ourselves.

The Big Issue: Just who are you?

Jim Browning: I do have a proper day job. It’s in IT as you can probably imagine. I know about computers and networks and so on. My night time job is going after scammers and I put YouTube videos online about my exploits.

What’s the what’s the origin story of this superhero?

So unfortunately, it’s not like a Batman type story. I find scams fascinating, full stop. I work from home a fair bit, particularly over the last couple of years like a lot of people. I was getting of scam phone calls. The advice is usually, ignore them and hang up. But I thought with my background in IT, surely I could do something about these calls. They do have a weakness, which is the fact that they will try to connect to my computer. And when they do I can find out who these people are.

Do you get excited when you come across a new scam?Oh yeah, for sure. A lot of this scams are very scripted. So anytime I come across something new it’s definitely fascinating. I like different sorts of scams. I’m looking at a couple at the moment. You know, those letters you get from people who say you’ve won a fortune. It’s rare to get an insight into those types of scams, because normally, someone does all of this offline.

How long does it take to break a scam? How many hours does each video represent?

A lot of my evenings are taken up with this. In some ways, I’m fortunate because a lot of the scams are aimed at people in the USA, and their daytime is when they’re targeted so that is our evening. I probably spend too much time. But it’s a hobby so for me it’s time well spent.

Some scammers I’ve been watching for at least six months before I would put a video out about them. Whenever I do find relevant details about who’s running scams, I pass information to police in the hope that they will do something. Sometimes that works, sometimes it doesn’t. All in all, it can take months and months of work to even get a video live.

Why is it difficult for police to take any action?

Most of the scams I uncover are from outside the UK. A lot of these call centres are based in India, there’s very little happens in that country. Anytime I do report it, it seems to be swept under the carpet. It can be quite frustrating.

The scams and the people behind them are clearly very intelligent, what sense do you have of perpetrators?

You get the odd one or two who will be open and honest with you. If you ask, look why are you doing this, it’s a scam, they will give you loads of different reasons. The main one is, India’s a poor country, high unemployment, low wages. If you get into a scam call centre, compared a legitimate business, you will be paid so much more. Now, you maybe get a fraction of what you scam but you earn an awful lot of money very quickly. And you can convince yourself that you’re stealing money from a very rich western country, I can see people doing that.

Everybody has their own story about why they got into it. But at the end of the day, it is really just greed. I can see what they do on their computers and there’s very few people who seem to be on the breadline.

What affect has the pandemic had on scams as more older and vulnerable people are using the internet with little experience?

Certainly older people are the prime target for most of these scam calls. I’ve seen scammers take lists and filter them for people over 60. That’s because they are the demographic most likely to fall for it. It is really just a numbers game for them. The vast majority of the day is people hanging up on them. But they will eventually get someone who’s vulnerable.

In the UK and US people are so used to receiving these calls, they know just to hang up immediately. Scammers are moving to other countries. I’m monitoring a group at the moment who are targeting the Czech Republic and Norway. And although they can’t speak Czech or Norwegian, they are still attempting the same scam in English in the hope that they can get people who are unaware.

The biggest scam call seems to be from people impersonating Amazon. Why can’t one of the richest companies do anything?

It used to be Microsoft a few years ago, now it is Amazon. They’re so prevalent. And I’m a little surprised Amazon aren’t trying the legal route to try and do something. I hear these phone calls all the time. Even if [a victim] doesn’t use Amazon what they’ll immediately say is, well someone has registered an Amazon account in your name using your details. Eventually they’ll want access to your computer.

You were recently victim of a scam yourself, does that show it really can happen to anyone?

Anyone can be scammed, the circumstances have to be right. Someone tried to take over my YouTube channel, basically to steal the revenue that you get. What this particular person did was impersonate Google, who own YouTube, and they were quite convincing. They’d found was a flaw in the chat services that Google offer and were able to make it look like a legitimate email. So initially, I did fall for this.

So the person was just trying to steal money, they weren’t someone out for revenge?

They didn’t even know who I was. I sent them a couple of links when I figured out it was a scam, said could you click on this and they did. I was able to find out where the scammer was based, in Turkey, but when he figured out that he wasn’t getting any money out of me, he disappeared.

Are you quite famous within this scammer community? In some videos you disguise your voice to sound like an old woman.

Yeah, I have to use that because scammers do recognize me. I can get access to scammers’ computers, see what they’re looking at on their screen, what they’re typing and some of them have been watching my videos. I have to change my voice. As the scammer is concerned, I’ll sound like an old woman. That helps me out quite a bit.

You’re taking part in a new BBC One show, Scam Interceptors.

I find it difficult to get the message through to the right people. I’ve been working with the BBC and there’s an organisation called the American Association of Retired People. For me, it’s never good enough to say do this, don’t do this. I think you actually have to see the scams running. And this programme shows it in intricate detail. You can see and hear the language that they use, the techniques they use, what people typically say and how the scammers respond. When you see it first-hand, it’s far more likely to sink in. The scams themselves will change over time but if something triggers in the back of your head, at least gives you a bit of doubt, it can only be a good thing.

If in doubt…?

That’s it. If you’re in any way doubtful, a real organisation will have no problem assuring you that they are who they say they are. They have to be able to tell you more than your name, address and phone number because that’ll be on the screen of every scammer. If they can’t give you a customer ID or a recent transaction I would always treat it with a lot of scepticism. If they want to keep you on the phone for any reason or if there’s a sense of urgency, it’s almost bound to be a scam. The best thing to do is hang up.

Could you have been hacking this computer as we were speaking?

I’m not as good as people could make out. Honestly, the only way that I can really get access to scammers is if they connect to my computer. Without that I’m just no good at all.

By: Steven MacKenzie

Source: Who is Jim Browning? Meet the man who scams the scammers – The Big Issue

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There Could Be 42,777 Intelligent Alien Civilizations In Our Galaxy Say Scientists

How many extraterrestrial intelligent civilizations are out there and when will one of them send us a message?

The answers, according to a paper published in The Astrophysical Journal are 42,777 and sometime in the next 2,000 years. It’s a decent explanation for the Fermi Paradox, which asks why we still haven’t received any messages from other civilizations despite there being a high probability of them existing.

It estimates the number of possible CETIs—communicating extraterrestrial intelligent civilizations—within our Milky Way galaxy. It also looks at how probable it is that one of them could contact us and when.There are, of course, some huge unknowns behind these seemingly very precise estimates that if known would make a massive difference to the results:

  • The probability of life appearing on rocky planets and eventually evolving into a civilization advanced enough to contact another.
  • At what stage of their host star’s evolution such advanced civilizations would be born.

So the figure of 42,777—which has an error rate of a few hundred each side—is on the optimistic side. It’s based on an estimate that only 0.1% of civilizations could become advanced enough to contact another. This is where the Great Filter comes in.

It also takes into account the idea that any civilization would need to survive for about three million years, give or take, to reach that point.

Even if a message is ever sent to us from an advanced civilization elsewhere in the Milky Way the question remains as to whether humans can survive long enough to receive it. The authors suggest that we will need to wait as little as 2,000 years to receive one alien signal.

That’s the optimistic calculations. The authors’ pessimistic estimates are for just 0.001% of civilizations–about 111—to become advanced enough to contact another. The upshot of that would be that humans would need to wait for 400,000 years to receive a message.

“The minimum value (0.001%) we take may also be overestimated,” write the authors, Wenjie Song and He Gao at Beijing Normal University’s Department of Astronomy. “If so, the number of CETIs would become even lower, and the opportunities for communication between CETIs would become extremely small.”

The only message ever received on Earth that could have come from an extraterrestrial intelligence is the Wow! Signal, which was received in 1977 at the Big Ear radio telescope, Ohio. It was heard for 72 seconds—the maximum possible at the time—and was never repeated.

The source of that signal remains unknown though a recent paper found only one Sun-like star (called 2MASS 19281982- 2640123) in a sample of 66 in the region of the night sky that Wow! came from. It’s 18,000 light-years away.

In 2012 a paper estimated that the closest civilization to the solar system could be 1,933 light years away. So let’s send a reply? Sure—and why not, considering the chances of an advanced alien civilization being malicious are really low—though there is one problem. Any radio or laser transmission will travel at the speed of light, so would take 1,800 years to get there.

The authors note that astronomers did send the “Arecibo message” to the Great Hercules Globular Cluster (M13) in 1974 using the now collapse Arecibo radio telescope. However, it wasn’t much good. “If there are indeed CETIs in M13, their detection ability needs to be 21 orders of magnitude higher than ours to detect our signal,” write the authors. “Conversely, if they transmit a similar signal, we need to improve the detection ability by 21 orders of magnitude to detect it.”

Space is big—really big—and even in-galaxy messaging is completely impractical. Even if we’re not alone it’s doubtful we’ll ever find out.But that doesn’t stop us looking for Earth-like exoplanets around 2MASS 19281982- 2640123.Wishing you clear skies and wide eyes.

Source: There Could Be 42,777 Intelligent Alien Civilizations In Our Galaxy Say Scientists

Critics

Here’s a good sign for alien hunters: More than 300 million worlds with similar conditions to Earth are scattered throughout the Milky Way galaxy. A new analysis concludes that roughly half of the galaxy’s sunlike stars host rocky worlds in habitable zones where liquid water could pool or flow over the planets’ surfaces.

“This is the science result we’ve all been waiting for,” says Natalie Batalha, an astronomer with the University of California, Santa Cruz, who worked on the new study.

The finding, which has been accepted for publication in the Astronomical Journal, pins down a crucial number in the Drake Equation. Devised by my father Frank Drake in 1961, the equation sets up a framework for calculating the number of detectable civilizations in the Milky Way. Now the first few variables in the formula—including the rate of sunlike star formation, the fraction of those stars with planets, and the number of habitable worlds per stellar system—are known.

The number of sunlike stars with worlds similar to Earth “could have been one in a thousand, or one in a million—nobody really knew,” says Seth Shostak, an astronomer at the Search for Extraterrestrial Intelligence (SETI) Institute who was not involved with the new study.

Astronomers estimated the number of these planets using data from NASA’s planet-hunting Kepler spacecraft. For nine years, Kepler stared at the stars and watched for the brief twinkles produced when orbiting planets blot out a portion of their star’s light. By the end of its mission in 2018, Kepler had spotted some 2,800 exoplanets—many of them nothing like the worlds orbiting our sun.

But Kepler’s primary goal was always to determine how common planets like Earth are. The calculation required help from the European Space Agency’s Gaia spacecraft, which monitors stars across the galaxy. With Gaia’s observations in hand, scientists were finally able to determine that the Milky Way is populated by hundreds of millions of Earth-size planets orbiting sunlike stars—and that the nearest one is probably within 20 light-years of the solar system…..

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Bank Mergers Are On Track to Hit Their Highest Level Since the Financial Crisis

It took less than three months for a deal to be reached between Columbia Banking System and the smaller Bank of Commerce Holdings. Banks are on pace this year to merge at a level not seen since the 2008 financial crisis. It is a sharp turnaround from last year, when the economy spiraled and many regional and community banks put merger plans on the shelf. Now, bank executives are feeling more certain about what the future holds, but some are finding it hard to make it on their own. Though the economy has in many ways recovered from 2020, loan demand is still low and profits from lending are slim.

Banks have announced more than $54 billion in deals through late September, according to Dealogic. That puts industry mergers and acquisitions on pace for their biggest year since 2008, when some big banks had to sell themselves to stave off collapse. At this time last year, banks had announced just $17 billion in mergers.

Banks typically spend weeks or months turning a potential target’s loan book upside down, searching for risky loans or other red flags, before agreeing to acquire it. But the Covid-19 pandemic muddied that process. For months, lenders struggled to assess the creditworthiness of their own customers, much less those of their competitors.

“Neither potential sellers nor buyers really wanted to do a transaction last year because of the uncertainty that could be on folks’ balance sheets,” said Kevin Riley, chief executive of First Interstate BancSystem Inc. FIBK -0.17% in Billings, Mont.

But the expected wave of loan defaults never materialized, and by the end of last year, serious merger conversations resumed, according to executives and regulatory filings. This month, First Interstate FIBK -0.17% agreed to buy regional lender Great Western Bancorp Inc. in a deal that will boost its assets to more than $32 billion.

“[Banks] are no longer fearful of the bottom falling out,” said Nathan Stovall, an analyst at S&P Global Market Intelligence. “They are no longer looking at a deal like trying to catch a falling knife.”2019 was also a big year for bank mergers, but more of the major regionals are in play this year. So while there are fewer deals this year than at this point in 2019, the overall value is higher than it was two years ago.

Minneapolis-based U.S. Bancorp last week said it plans to buy MUFG Union Bank’s core retail-banking operations, boosting its presence on the West Coast. Another major regional, Citizens Financial Group Inc., said in July that it plans to buy Investors Bancorp Inc. Investors Bank had shelved merger talks with another bank when the pandemic hit in 2020, according to regulatory filings.

The Federal Reserve cut interest rates to near zero when the pandemic hit, and low rates have made it more difficult for banks to profit from their bread-and-butter business of lending. The average net interest margin, a measure of lending profitability, reached a record low of 2.5% in the second quarter, according to the Federal Deposit Insurance Corp.

Smaller banks have also struggled to compete with the high-end digital offerings and technology of the megabanks.

Sacramento, Calif.-based Bank of Commerce Holdings began courting potential merger partners in the spring of 2021. The board and management of the $1.9-billion-assets bank had for years considered different options to overcome ever-narrowing industry margins, including being acquired by a larger bank, CEO Randy Eslick said. It took less than three months to iron out a deal with $18 billion Columbia Banking System Inc. of Tacoma, Wash.

The deal was announced in June, and the combined bank will have the resources to invest in technology and other areas—trust departments, wealth management, specialty lending—that the smaller Bank of Commerce wouldn’t have been able to fund on its own.

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“Those types of things bring technology to the table that we could not afford to,” Mr. Eslick said. “At the end of the day, we have more arrows in our quiver.”

The pressure to scale up has only grown more intense in recent years, said Scott Wylie, CEO of the $2 billion First Western Financial Inc. in Denver. In July, First Western said it would buy the parent company of a smaller bank, the nearby Rocky Mountain Bank.

“For a $300- or $500- or $700-million bank, it used to be you could have a nice little business that could go for a long time,” Mr. Wylie said. “These days, that’s really hard.” Conway, Ark.-based Home BancShares Inc. said this month it would buy Happy Bancshares for more than $900 million. Within weeks, CEO John Allison got pitched another deal.

“Someone said to me, ‘Johnny, the body hasn’t even gotten cold yet…and they’re bringing all these other deals,’” Mr. Allison said.

By: Orla McCaffrey at orla.mccaffrey@wsj.com

Source: Bank Mergers Are On Track to Hit Their Highest Level Since the Financial Crisis – WSJ

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