HPY was up $.40 at the HOD. It closed lower because the market drug it down. I work in the industry, HPY is the cream of the crop. Their rates are the lowest. The software breach has presented us with an enormous buying opportunity. They are and continue to be a huge force in the card processing industry. Their industry is full of scam companies, HPY is very reputable (and profitable). I have never heard a complaint. That is the main reason I started my position.