attn: wanko, you're underh2o NOT ME!! i was looking at the stock and asking for intelligent replys to salient questions. certainly no answers from the likes of you, that's clear. haven't bought a single share but i may very well in a couple of wks when the entire mrkt is selling off. perhaps you've noticed even "high quality" financials are having quite a difficult time these days. you're either a kid or just plain dumb, perhaps both. don't take things so personal, sorry you bought so early. gl to you regardless.