I find it very difficult to understand people buying TWGP shares today when nobody has a clue what's happening at this insurer. IMO, this is out-and-out speculation. At least when one purchases a lottery ticket there are stated odds of winning, albeit so tiny that this, too, is a stupid use of funds. I do believe it is highly likely that Tower will be compelled to write-off it's remaining goodwill in 4Q13. I applaud the Fitch rating agency for taking prompt action on this company and continue to wonder what's taking AM Best so long to act.