Investment banks are the companies, such as Citigroup, J.P. Morgan Securities, and Merrill Lynch, that help businesses sell securities to the public. When new securities will be sold to the public, the first step is to select an investment banker. This can be a difficult decision for a firmthat is going public. However, an older firm that has already “been to market” will have an established relationship with an investment banker. Changing bankers is easy, though, if the firm is dissatisfied.The