will be good and I understand how one feels having watched my own stocks do the same thing. The good thing was long term they paid off. The drop in the market hurts when it takes companies with it. First Niagara is well managed and will do well both long and short term. I continue to buy at this level. If one bought at $7.50 or $8 they are up but that is very short term. My short term is longer than many investors. I am looking for a takeover.