It seems that most focus on the bank selloff instead of registering a broad SG market weakness today. Almost all discussions focused on the impact of the Citi analyst downgrade but is this the cause or just the trigger for the sell down? The toppishness/high valuation of the banks have been shared for quite some time but those voices were rediculed by the bank bulls who shares their unwaivering conviction that banks will only go up. Sometimes, Mr Market is just waiting for an excuse at an opportune time to take profits and pass the bag. Such is a time for the baptism of fire for new investors. Good luck and may they emerge stronger after this.