What worries me is that management might attempt to take the bank private and freeze us out. It wouldn't be hard for them to do it at all. Plenty of the buyout funds would give them the money any time they want it. It would be nice if management told us what the future plans are. Hint: Put it in the annual letter: "We are committed to keeping the stock public, going back on NASDAQ or maybe staying on the pink sheets, etc. Only exception would be if a third party made us a huge takeover offer."