Prediction on earnings tomorrow ...The last quarterly mentioned some headwinds in their last earnings ... well, those headwinds are starting to look a lot stronger. The past quarter is likely to come in around expectations, but I expect some caution going forward. If lower energy prices are sustained, there are going to be less new loans, greater scrutiny, and some industries feeling the financial pinch! I took the risk of the lower dividend, higher risk for greater growth ... looks like I backed the wrong horse ... again! Emba33