Do you have any thoughts on the timing of a conversion by Provident. I've been waiting more than three years. I was also glad to see a mutual holding company thrift (RSBI) receive a bid far above its market price. I've viewed the mutual holding company structure as an abuse of shareholders: give the thrift your money, but don't expect to have any voice. At least the management made a reasonable deal for ALL shareholders, it seems. Didn't own any RSBI, unfortunately.