this isn't the climax...probably will occur with a 3rd tightening by the Fed. While I believe $.99 for '99 is a soft number, once this stock hits 14-15 times say $.95, then you might as well buy and hold for a year. This is very close to being an outstanding buying opportunity. Of course, as Shorty would say...this is just one dumb Bastid's opinion. Good investing.