This Message Board just does not get it. They really do not understand how Al runs this company. Al and ORI believe in a Strong Dividend payout and have for more than the last 40 years. They pride themselves in paying it and increasing it. And they have been doing it for longer than the time they have been involved in the mortgage business. Just read between the lines and you will realize in the conference calls that the dividend is here to stay. This is a well run company. They know how to make money. They know how to use the money they have effectively. I am a long time owner of this stock. I rate this a STRONG BUY and I am buying more.