Mea culpa. I just went back and re-read both the 3Q and 4Q Press releases -- 29 pages. I could not find that information I posted. Either I misread or the CC indicated more than I read. The continued buy back of common doesn't hurt, Core earnings for 4Q 2013 $.31 plus drop income $0.07 or $.38/share is a good indicator. GAAP 4Q losses could hurt, so the jury is out. Thank you for your comment.