AWH has a PE of about 6. Little exposure to sub-prime. Is a cash cow, and might be looking at a special dividend, or significant buy back. Compared to other insurance companies it looks very strong financially. They have prudent management and are scaling back a bit due to soft market pricing, which explains a slightly lower net for the past fiscal year. Very smart. A buy here will be rewarded as the price goes back to $48+ in short order.