Thanks patrarion. Part of the problem may be that NBG doesn't see the need to be very English friendly on their website. I know banks play it "close to the vest", but some guidance regarding their position and plans going forward would be helpful. I have increased my position slightly twice, averaging down, since last year. I hesitate to take any more exposure until I hear something positive from management. My due diligence suggests that they are the best positioned to survive, not just in Greece, but among other banks in PIIGS countries, due to their inroads into Turkey and the Balkans. I agree with your call that things will be risky for at least another year, but this is also the time of greatest opportunity.