I'm with you rwmgn, I'm happy with my results too. I usually add to my position during the dips, added alot back in the middle of 2000 when the price was in the low to mid 20s. I think that gives me a return greater than 35% and I like the bbt paper. Besides, there are only 1or 2 banks that I would be willing to exchange for if a buyout occured. Just my opinion.