Does anyone understand what they do? (I don't really men that.) I never know whether this business with Puerto Rico or Detroit is bad or OK. I just figure that they came out of bankruptcy and their balance sheets are pristine and they made allowances for all of this happening. I think that the individual investor has trouble with the stock because they don't understand it. My broker, who passed away put my Mom in this when it was 7, so as it is part of her Estate, I made out like a bandit. But, still don't know whether to sell or hold. I could have sold it while it was in bankruptcy on the secondary market and decided not to. My good luck.