Maybe some downside if the market turns south, but frankly I think very, very little downturn. For the past several quarters, the number of policies written and the earnings from those policies has grown tremendously. And with this new 50% increase in the divvy, Michael and company are indicating that they are willing to reward those of us who have been very, very patient over the years. One more good quarter of growth, and this is quite probably a $10 stock, with a growign divy and an growing company, eager to write more and more insurance policies. They haven't even yet starting writing policies through their new connection with Allstate. And as the recent Seeking Alpha article states, they have secure bond-like investments of around $140 which at today's share price, yields stock holders something like 10%, just on those investments alone, never mind the profits on insurance policies. I didn't see one sign of negatives in the recent CC. Only large positives. Minimal risk at this point, at around $6.50. Large rewards of $10+ share price in the next 6-12 months.