Thanks for the info. I don't blame you for holding on. I have a good bit of money in t-bills maturing in January. Six month t-bills are now earning about 31/2%. That is pretty low and apparently going lower. I think I will probably cave and buy some ITIC rather than rolling over the t-bills. I think ITIC has demonstrated that it is a pretty good investment. Mr. Fine seems to be doing pretty smart things.