BECAUSE AS UMMA RIGHTY STATED,THE STREET IS
HESITANT BECAUSE MUCH OF THE IMPROVED
NUMEBES WERE R/T THE 50% DECREASE IN NET
CREDIT LOSSES..i BELEIVE THEY WILL CONTINUE
TO DECREASE ,AND THE COMPANY SEES BETTER
REV ALSO.With greater confidence going
forward in growing economy PVN will continue
to beat.IMHO