How are you vindicated? If all about investment results. I'm long at $2.19. Nav sold at 2.69. I'm up 45%. If you think SNV's prospects are terrible then short the stock. I think that in a year, this is a $5.00-$6.00. At $6.00 I'll be up 175% God willing, all this while you and Nav are patting each other on the backs watching from the sidelines. Again, Buy before it recovers not after. I'll be selling you my shares before you decide to buy. Good Luck.