From what I have read, FCFS isn't really involved in the gold buyer market. Forget the price component of gold, margins in that market have to be getting pretty tight in the past couple years......since there are so many people in that market and anyone who had spare gold sitting around has probably sold it off in the last 5 plus years. If FCFS was active in this market or highly levered to it, I would guess they wouldn't be growing earnings so much. I haven't owned any FCFS for about 18 months now, since it had a pretty rich valuation. At the current 16 PE going forward.......this stock seems to be getting attractive again. If it continues going down into the low 40s, I would say one should seriously consider picking up shares of this company. Taking advantage of the market misconceptions about FCFS!