AF is not looking to aquire anybody. They are sitting back and waiting to sell. The only regret is that they did not do it when you were getting 2 to 3 times book. The big boss is getting old and is not going to step aside and let someone else cash out after all the years he has put in. They have built a nice little franchise that is not without a few problems. None that will have long term effects. With tangible book at $11.04 a low ball take out would still be at 1.5 tims book you are still looking at a price between 16 & 18 a share. And a decent divy while you wait. Just my thoughts.