The pause in the stock market rally is a good sign for the market, says TheStreet's Jim Cramer. He says a down day gives investors the opportunity to pause and catch their breath. He thinks new money will come into the market, which he believes will go higher still. Cramer sees opportunities in banking stocks after some brokerage downgrades, pointing to Citigroup (C) - Get Report and Wells Fargo (WFC) - Get Report . Cramer says Citi is still trading below book value, and Wells Fargo stock hasn't been able to advance since the recent scandal over fake customer accounts.