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agree i luv the risk reward here we cannot control macro climate , but we can surely buy new positions under book and place the odds squarely in our favoryield slope betterthius over capped piggies has liquidity a major asset these daysbuyback on a 30% floater yummy aint much stock and endless money to buy stock quality lender no subprime or 0 down wild stuff all backed buy good money down............tfsl is also growing but with thin margins but they are not fighting the way of this biz but going with the stream we will be a much bigger bancorp in 3 years !! go tfsl !!!!