Well Hugh, that 10Q went over like a turd in punchbowl. It's hard to hide all of those nonperforming loans and investments when you have to tell Uncle Sam under threat of penalty or jail.

Better sharpen your knives and cut some of that fat, and hope and pray the real estate market stops the freefall. You know you are in a lot worse shape that you are letting on to your board and shareholders. Better get them ready and cut out that measly penny dividend. It's time. You better do it soon. Quit pretending.