I am amazed that this stock keeps shocking me to to downside.  Just when you think we have based were right back.  I find it very troubling that the market doesn't think this company is worth a billion market cap.

A dividend is absolutely required and I don't believe management will introduce one.  I also find it very troubling that the only hope we have is news/event driven such as the reserve report - to me this means the value proposition is not being effectively communicated to the market or that the market has been crystal clear with what is required but the strategy is not aligned. I think with legacy it's the latter. The growth strategy is not working and there is three years of data supporting this now.