i agree with ya but i do not see 20's any more

much more prudent now

perhaps mid high teens with nice safe div

and that is a fine do not want another bubble

when these went above book for many years them was bubble years

in the 90's they stayed around book...

i am looking for that to happen again

90 - 110 % of book deals at 125%

we will see go hbcp it is a clean bank