SEATTLE - Banking analyst Meredith Whitney sums up the investment opportunity in the United States as “a tale of two countries” – the idea that states will grow unevenly based on how exposed they were to the financial crisis.

Whitney, who now has her own advisory firm Meredith Whitney Advisory Group, rose to fame for an accurate pessimistic report she issued on Citigroup in 2007. Speaking at the Investing Management Consultants Association annual conference in Seattle, she said she sees two stories emerging in the U.S. economy.

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