It is pretty easy, business has been slow combined with low interest rates making it difficult to earn money. Nevertheless, it is a very good value at $10.50/share unless you are looking to double your money in the next week or so. The problems with the Harrisburg and Jefferson Cnty Ch. 9 bankruptcies has been pressuring the stock. The movement of AGO's stock is a bit surprising when you consider that muni bonds have been rising in value all year along with demand. I think the stock can be bought here for 10.50 and flipped easily for 13.00 w/in six months. Myself, I have been accumulating these shares at below $10 as a long term store of value. AGO is spring-loaded, as soon as we see resolution to Europe's crisis and a continuation of growth in U.S. GDP, the stock should bounce above $20 very quickly.