J2s32, I just bought some HCBK at $10.99 and felt that was a pretty good entry price all things considered. But after reading this thread, HCBK looks like a walking nightmare. Is there any point at all in shareprice that would make you consider it to be a reasonable investment? It certainly pays a decent divvy and with ex div on 2/2, buying it now and factoring in possible upside in shareprice, why not take the plunge? What's your thought on that?