I second your opinion, Z will head back up to $40 range, they were profitable last quarter and they will be profitable again. They have Priceline CEO on their board and he is known to make an online company profitable. Z has got some cool algo that accounts for neigboring prices to readjust the cost. I had to refinance mine and guess what the appraisal came pretty darn close to Z's estimate. I am holding long.