Over the years I've listen to maybe 40 cc's, and the only difference is McK. is stepping down Jan.01, 2010. Steve and Bill are never jumping up and down with excitement about our company's prospects.

Makes me wonder about the CEO change, we have always said he loves CYBS and would never give up control, and he walked away without one tear. Could it be they are in talks with someone and that's why no real emotion for him, SINCE THE MONEY IN THE BANK. The new CEO is quilfied to run CYBS and seemed very calm about the whole deal almost too calm.

Still no Europe bank sponship although they mention other potiential banks could be signed. The 1 cent beat was no suprise neither was the uping Q4 numbers "CONSERVATIVELY".

TO SUMMERIZE HO HUM AGAIN