I would like to say that somone on this board did some excellent work and projected this potential divdiend at $.90. Good work. Now, we have to see how high she goes. at $23, .90 per quarter is a yield of 15.6%, but based on book value of $20.87 that is 1.10x. So, $22.50 is a good valuation, but I suspect the market will pay a little more for this newbie with a sporty spread of 2.40%.