I hope HMPR has made full disclosure as they are required, related to any current or pending lawsuits thay are aware of. What about all the SUV's used by employees that is supposed to be for work that they all drive for personal reasons and weekends to the beach. Does the IRS allow that, might there be an audit coming? Are bad loans counted properly or might they be hidden in other categories? Has an Investment Committe been setup yet? Dead money.