We're all just betting on the wind here.I'm happy with the dividend.I have UVE in the reinvestment plan.As long as the PPS stays down I'll be getting more shares. I'm happy for now. We are only 6 days into the 4th month ,getting our 1st dividend that is.We can make those 6 days up before the end of the year. Just don't place to big of a bet on any one stock. Best of luck to you.