I wouldn't want to steer you wrong SP..you seem like a great guy. But I will tell you that the buy and hold days are gone. For now anyway. I sold half of my holdings yeasterday at $5.45 and bought half of those back this morning at $5.08 and then sold them at $5.32. Now I will wait to see the direction it is heading and act accordingly. Not all in, but dollar cost average. Think about it...you could have sold all of you shares yesterday and bought all of them back at a much lower price and you would have made some good money. I'm not saying to do that, but trade some...what have you got to lose..just don't panic. If it goes down, average down on your buys. But you have to have some cash to do that and you don't cause it's all tied up. Free up some cash so you can trade. We are only looking at a very small time frame here. I think in 6 months CNO will be 10+ as you say.