time for a prediction Ok Jim here it is - I am not going to post until I get more information and please don't make it sound like your DD is full and complete- as it is so flawed. I want to see the quarterly financials when they get released and I am going to be asking questions based on that. But here is my prediction. The financials will not show any significant gains is revenue they may show some expense shedding but what is saved will be easily absorbed by loans and other expenses. And we will see a loss on the new security side - lets wait and see if this is right and of course Jim will label me an insider if I am correct and if I am wrong I will send you a big apology Jim