I have a novel idea..... fire this incompetent management team and hire someone that knows what the heck they are doing. this stock will rebound in a day if investors see that happen. and doing that would be a positive first step towards re-instituting some financial sanity in a place that has suffered enough under the current regime. please give the stockholders and the bank a chance to not only survive but a real chance to prosper. these guys are there for the paychecks and nothing else. mr. harnett, you can start the necessary re-building now by throwing these scoundrels out and send them back where they came from. what do you have to lose? twsb is now worth 1/10th of what it once was before these incompetents took over. are you going to continue to sit idly by and let it go to zero? stop this madness now.