well .... earnings have been cut in half by QE4 (compression of int. rate spread), and the dividend will likely be cut (35-50%) on Feb 4th. I'm out (after 3 yrs being long) till after the price drop, very likely to re-enter on Feb 5th at a lower price and hold forever. My guess is div. cut to .80 (qtr) and price falls to 27 ish, leaving a still juicy 11.85% yield.