hi- this memo is for the inexperience shorts that are expecting this company to now substantially drop in price. i'm a very conservative small successful investor & i truly hate to see you add to your losses. all i ask is for you to look for a company with uve fundamentals & compare prices! i'm talking about the closing price of uve on fri. ( nov. 29th) & not previous prices. i research NUMEROUS & CAN'T FIND ONE that isn't 50-300 % or more higher! most of these higher cos. don't have the positives that this co. has- nor the earnings! just find one & then you could convince yourself this company is over priced now- which is what your relying on! i personally feel in this PRESENT MARKET that uve would of been twice the price if they were known- which is happening now! also- i now can find 500 cos. over-priced immediately since they are priced way beyond what they should be in a normal market! problem is i can't find underpriced cos.now unless they have various major problems! do your own research & prove me wrong & when you do so let me have the name of the one co.( if you can) that compares to uve's present price! one way or another i wish you luck since i definitely feel this is still an underpriced stock! time will tell-right?