RE:RE:RE:my take is the risk profile has improved substantially At this point lowering risk trumps all. Institutions do not like high risk. In the scheme of things management seems to doing what needs to be done. I was most impressed that a good piece of the revenue increase was realized through increased fees charged to existing customers. Organic growth was 22% which is pretty healthy in itself. That speaks bundles about the value of the service to their clients. This has always been my lingering source of doubt in the past. I think it was laid to rest today.