UCU was late for good reason. Considering the break throughs that they made, the virtual revamping and vast improvement of their business model and the fact that the stock is up 48% on the year, I'd say that ucu is delivering a little better than this pos. When they finally said Q4 2012 for the PEA, they delivered on time and exceeding expectations. Besides, I thought that you only wanted to talk about gwg  and comparison/contrast of peer companies was some how off topic to the myopic around here.