And you deliver this message as if it is a surprise. Sold STI last October at $30 and bought BAC. If STI moves below $20, it would be fairly valued. STI continues down the path of retaining directors that are simply not qualified for their positions. Very poor management and outsourced to a level that has departments without internal oversight. Vendors continue to own STI and cost of the outsourced vendors continue to escalate. STI's current strategy has placed Clients and investors at risk.