MI Sector is so dead. However, you longs think this is your year. I'd be a little concerned going into earnings. Actually I'd be a lot concerned. Disappointment all around. This year though, the fat cat Radian execs will get their cushy bonuses and S.A. will get a nice bump in his astronomic salary. Why because he doubled the stock price this past year, the stock price that is still just a mere 10% of its glory days. Job well done!