What if The Marvel Cinematic Universe was owned by Universal Pictures

We know all about the Marvel Cinematic Universe and its acquisition by Disney but did you know Universal did a Marvel film? yup they did a Hulk movie back in 2002. so it lead to me thinking What would happen if The MCU movies were distributed and owned by Universal Pictures? Let's find out

List of Changes
 * The 2003 HULK movie would be the first film in the Marvel Cinematic Universe.
 * Eric Bana's HULK would join the MCU.
 * The MCU would have started in 2003.
 * All Marvel films would be distributed by Universal Pictures
 * HULK would have a post-credit scene teasing the next film
 * With Universal holding the film rights to Namor, Namor would be given a full movie to go with the MCU.
 * With Howard The Duck also distributed by Universal Howard would not join the MCU yet he'd get his own television series airing on SyFy

Films
Cast
 * 1) HULK (2003)
 * 2) Namor (2003)
 * 3) Iron Man (2004)
 * 4) Thor (2004)
 * 5) Return of The HULK (2005)
 * 6) Captain America (2005)
 * 7) Black Widow (2006)
 * 8) Avengers (2006)
 * 9) Iron Man 2 (2007)
 * 10) Thor: Primal (2007)
 * 11) Avengers: The Hydra Conspiracy (2008)
 * 12) Ant-Man (2008)
 * 13) The Spider-Man (2009)
 * 14) Namor: Deep Water (2009)
 * 15) Captain America 2 (2010)
 * 16) Hulk: Final Wars (2010)
 * 17) Avengers: Thanos Invasion (2011)
 * 18) The Spider-Man Returns (2011)
 * 19) Doctor Strange (2012)
 * 20) Black Panther (2012)
 * 21) Thor: Horizon (2012)
 * 22) Wasp (2013)
 * 23) TBD (2013)
 * 24) TBD (2013)
 * 25) TBD (2014)
 * 26) TBD (2014)
 * 27) TBD (2015)
 * 28) Doctor Strange 2 (2015)
 * 29) TBD (2016)
 * 30) The Spider-Man 3 (2016)
 * 31) TBD (2017)
 * 32) TBD (2017)
 * 33) TBD (2018)
 * 34) untitled Avengers swquel
 * Eric Bana as Bruce Banner/HULK
 * Matthew McConaughey as Tony Stark/Iron Man
 * Matt Damon as Steve Rogers/Captain America
 * Emily Blunt as Natasha Romanoff/Black Widow
 * Liam Neeson as Thor
 * Christian Bale as Namor
 * Johnny Depp as Doctor Strange
 * TBD
 * Colin Farrell as Bucky Barnes
 * John Goodman as Happy Hogan
 * Stanley Tucci as Phil Coulson