This has to be one of the best turn arounds ever. Top notch experienced management rode through the tough times - the financial crises of 2008. They came up with new revenue streams until they could get the mortgage lending built back up. They have rebuilt that way ahead of schedule. The full housing recovery has just now began. Lending volume and lending capacity increasing at quarter over quarter rates even the best high growth companies would love to have year over year. 3rd Qtr eps from continuing operations of 1.50, up more than .50 from 2nd qtr. They have already said October volume way up over 3rd quarter level. With leverage they are getting now with higher volume on their fixed costs, higher warehouse borrowing lines, improving housing market - eps should continue to increase. My estimate is 2.00 eps from continuing operations for 4th quarter - annualized would be 8.00, conservative 10 p/e = $80 stock price. 15 p/e more in line with current growth rate = $120 stock price. Other positive is settling the two major lawsuits - they indcated this could allow them to be able to address other oppotunities in the mortgage areas. Still some risk from lawsuits but has been almost 5 years - they probably wouldn't have settled the ones they did if they had several other major ones in jeopardy. I think the company has turned around so fast that it is just now on the radar of large investors. Always risk in the business world but if someone has a better investment than this right now I'd like to hear about it.