What kind of stuff are you smoking? This stock was below $20 not that long ago and has increased in value and had a split on top of it. While I don't personally like the current managment team, you can't say they don't run a pretty good bank. If there is one complaint it would be the way they do their cutbacks in staff and the decision to make their layoffs in November and December and the way their more "seasoned" employees are let go and then replaced with younger personel for half the pay. They have settled several cases of age discrimination as a result of their practices. That aside, I wish I had put every dime of my retirement in this bank when I used to work there. I would have seen a more than three times increase inthe value and would look a hell of lot better than I do with the stock of the crappy bank I work for now.