After 36 years, 1977 for those who are challenged, I am now zero on EFX (Retail Credit Co) equities. The stock is almost exactly where it was mid September after some nice market increases. The problem is market perception/reality on return. It just is not there. A nice stock to park money, but if you are looking for a little growth, Mr. Smith's EFX is just not there. I look to return to the fold, but right now...not now. Like some other posters, may I offer an equity alternative, at least one to try. Check out Genco Shipping (GNK on the NYSE).