This stock has the most potential going forward period. Granted there will be bumps along the way, and we may see dilution to fund future growth, but if anyone can name another stock with this much potential, speak up now,and be heard. I listened to the CC and waited for my turn to talk for almost one hour, and my battery went dead on my phone. My questions were:

1) How will you fund future growth in the company? I understand that deposits will account for some growth, but will the common shareholder base be diluted by debt/equity offerings, or will you cross that bridge when the time comes.
2) My second question is hypothetical, and to me personally, is the $64,000.00 question. If, at some point in the next year, 2 years, 5 years etc, your company makes a bad decision and loses money, are you going to admit your mistake, take your lumps and move on, or will you try to make up for it by some accounting "trickeration"?
I feel that one of the reasons we are in this "mess" is because no one is willing to take their lumps. We can all agree that banks made bad loans, and people who had no business buying homes are now underwater on their mortgages.
IMO, the first company to admit their mistakes and take their lumps, is golden.
If more companies worked this way, we would be at DOW 6000 and looking up, as opposed to DOW 10,000 and staring into the abyss.

Long 10k @ .70