EMCF really hasn't moved as other banks, the markets, etc. in the past 9 months. It was a $20 around the bigging of the year so overall the year has been good. I'm pressuming another 2 cent dividend increase in the first quarter - decline percentage increase, but consistent. Would welcome getting to $1/share dividend, but way too much to ask. As interest rates will rise in the coming couple of years, what can we expect with EMCF?