RE:YellowbrickI am a shareholder for about 10 years (I was there for the special dividend of $.50/share)... and CHW is one of my largest positions. I like the management of this company... no frill and works really hard. In addition of their financial commitment in the company, they are buying back CHW shares significantly for a few years now. They are affected by the conversion of their income in Canadian $ and having a lot of their business in the US makes that stock volatile. Great potential takeover candidate from an US smaller bank interested in sub-prime business (I wish not… because I like the current dividend and well protected with a low payout ratio). This is a pure value play… you need to be a bit contrarian right now, but you should be well compensated (above $12) for a patient investor! My 2 cents anyway…