If it would of been all cash the deal would have been great. There is alot of bad things I can say about this company. The thing I like the best is there long term plan. I talked to Peter Prygelski about six months ago and we talked about there long term outlook plan. This company is for real this management is dedicated to making this baby money. Trust me they will have a blow out year. I'm looking at possible .50 per share. Quote me later but there is nobody in the market that will short this thing. The market is ready the regulations are in place and the profits are on the way. By the way he was talking to me I got the feeling that this is the quarter. The thing is management is so honest. But why the pay increase your right they shouldn't have got it. Trust me this next quarter is there big one. They have been paying claims fast and they are ready to give use are dividend back. That is the 411 I can give you.