Regarding my comments about the short position in NWLI, I am referring to the figures provided by Yahoo. You may read this information by clicking on the "key statistics" caption in the left margin of NWLI's page. The short position is reported in the right column of the key statistics page. Yahoo reports that there were, I believe, 57k shares sold short as of October 15, 2010. I interpret that to mean 57,000 shares which I think is relatively high in relation to NWLI's average trading volume.
53 thousand shares is about twenty days of average volume. I have to believe that these borrowed shares are part of some sort of hedging strategy on the part of NWLI mgmt., because it would be madness for a stock trader to be significantly short a stock like this.