It appears to me, that if the management had not moved the $20 Million to loan loss reserves, the earnings for the quarter would have come in at $.68. Moving the 20 million was a prudant move, for which the market punished the stock. Now what, is the only question. Is the market going to continue to punish the stock? It does appear so, and perhaps we can not expect the market to be rational. Take care, andhave a nice day.