GolfermanYour call on $7 was totally accurate as of a few minutes ago , not that either you or l didn't expect and forsee it. We are coming into what is historically 2 plus months of some of biggest upsides in the market, Thanks Santa. I actually feel sorry for those that were dupedby onboard opinions about nodividends for November and December and listened and sold at $6 or $5.75. They probably regret that decision today and a bunch of know-it-alls who dissedFTN , and or the banks don't post much if at all anymore, but they will tell you how they somehow made millions. Somebody posted about $10 or $11 in the upcoming future and l hope they are correct , but as of now l would be content with the slow grind to $7.28 my breakeven and l look to getting to$8 in the near future. You cannot keep one of the most important sectors economically down forever and Quadravest and FTN have a fairly good portfolio mix and thankfully excluded those pesky American Regionals.