ObyVICTOR, Its quite unfortunate that u could not see beyond ur lenses. the first and easiest proverb anyone can learn is 'A BIRD AT HAND IS WORTH MORE THAT 20 IN THE AIR'. u have offer with ETB and u threw it away bcos of Zenith. u let those flashy branches, cars and exclusive live of zenith bankers deride u of ur Joy. the only bank that zenith is beta than is Union bank in terms of employee welfare. that zenith didnt call u is bcos of Credit Crunch, its affecting Nigerian banks' employment.