if the markets settle down a little /mark to market/economic optimism now carries, we might see $10-12 on this, still a decent yield. i hold in my IRA and what are ya gonna do?? get .75% in a mmkt? if bank stocks ever settle down BTO might be good too, was in that before, sold at an even mark, then 10/08 mess hit and it crashed, reversed split 1:4, they should have the crappy banks out of the portfolio now and mergers may bring this BTO back to life, again a good div too.