Gee you should look at the metrics and listen to last conference call before you call this stock a dog. But I will give you you some tib bits. 1.5 million shares were bought by 4 insiders (including billionaire investor Wilbur Ross) in the past few weeks. They are the only company writing insurance on muni bonds so they have a monopoly.Trading at a 4 P/E and 60% of book. But because of GAAP their true book is closer $28(ie: if they went into runoff).They just got a favorable rating ruling from S&P. I think it has a great niche business with a great management team. To each his own. So far so good for my investment up 20% in a terrible market. I think it is a double and perhaps a triple.