Bad investment....that simple. I use the platform and enjoy it thoroughly but that is no reason to own the stock currently. I listened to the CC and it sounds like spreads are improving and there are potentially new businesses to get into but not enough here to merit owning the stock. Pretty obvious it his headed under 15 so if you rally want to own it, you'll get better prices. In the meantime, there are plenty of better places to put $$ to work.