Well we have a net loss of 8 Million which means that super fantastic dividend of .01 per share is gone for this quarter. Well lets review the major writeoff of adjusting the book value of the stock to the market. Why was this not being done every quarter in the first place? Seems like they either forgot or this deal with First Niagara was being worked on for quite a while. Second we can thank our lovely traders or rapers as most call them for dropping the stock so low to cause this writeoff or adjustment. Well done thou good and faithful traders!!! Seems like either the accounting department is not doing their job at HNBC or the Top Management is tinkering around with the numbers to make it convenient for themselves. Well a hearty lousy job to all those at HNBC!