guys, like i said, i like the business but...the initial #'s we can see show about $2bil cash on hand and they're losing $700mil yr... until the 10q comes out i dont see what can justify a $50bil market cap....i suspect there may be a litigation issue somewhere or maybe the credit crunch has affected visa's take (i.e. people dont pay thier bills hence visa does'nt get its trans fee's)...good luck, but it scares me until there's something to judge by...