Just be aware that the next time they announce earnings they are going to talk about ALL the money they made and saved in Q4.

We were directed to lay off employees in many stores in October. They have dropped people in stores claiming the BOR is too low to support 5 people. They are telling us that they have spent over $70 million dollars this year on the people they shouldn't have hired.

Therefore - they are going to post an improvement this quarter because they are simply laying off. They had a big sale this last weekend to make big strides for October. On Monday one division lost over 2000 accounts. That was after they charged off accounts as well.

They also changed the charge off of their pay day loans to 90 days from 60 days to try to show an improvement in their losses.

They are in big trouble. At the annual conference they told people that they are at the cross roads. At this point the life cycle of a business is to either die or be reborn. I think they forgot about the other alternative - business zombie: aimlessly walking the earth eating the brains of their employees and using them up before they lay them off.