Think of all their mortgages as one giant mortgage and all the real estae as one giant house -clearly the house value has rocketed up the last few years so loan to value is in great shape - the shorts are panicking and running a team effort to get investors to sell - it wont work -this stock is going back to book value by the AGM on May 11th ( which is $20 by the way ) You really think a lending company would go under in this real estae market when it survived thru all the other tough times the last 30 years ? C'mon - use your common sense.