I bought at the close at $13.09. I don't see the issue here. They have 3.5 billion already in claims reserves and $500 million in unassigned surplus. So they do the analysis and determine they need another $500 million in claim reserves; with the Bermuda entity and tax benefits, they will have to transfer $250 million from unassigned surplus and we are good. And they have premium increases still coming. Plus, GNW's MI business earned 3x what MGIC earned and MGIC's market cap is $7 billion....I think I stole my shares today.