net income grew 96.26% year over year (YOY). from an accounting standipoint . this is a VERY healthy comapny. I talk to the executive of Chesswood just recently. they assumed me business was growing rapidly, less diliquint accounts, and earnings were robust. They think that a fund , or pension fund has redemtions and dicided to liquidate some of their stock as well as others- that was there best guess. they went on to say , the market shoudl deem to 30 milllion extention of borrowing to be modest and to grow their business . this money is for expansion, and to reloan in their business to make further gains . Basically to expand profits. The Pres and CEO , went on to say the company is 100% healthy and the next few quarters will more than prove their vision is concrete and profitable.  I think my past and recent buys are solid ones . I will not sell into this , rather I will but . Targets remain at well above where this company trades at .