cumulative annual eps through 3/31/99 is $0.67. If the analyst estimates are right, the June 1999 quarter should add another nickel, which makes $0.72. A company with FCFS growth rate deserves at least a 20 PE (CA has a 25 PE on lower EPS). FCFS stock price easily deserves $14.50 (20 x $0.72) to $18.00 (25 x $0.72). It could go higher with the forward earnings I expect due to the pra's, website, mexico, etc. Any thoughts?