I agree with your view Erik. But this is what caught my eye...." biased significantly low" . So the results forthcoming should be significantly higher than those reported. We are in difficult markets. This is especially true for those who need or may need to borrow money. It isn't easy to do these days. Some may think NOT doesn't need to borrow. At present maybe not, but sooner or later they may and others, either buyers or lenders may have trouble borrowing. Extra good results are, in my view, what is needed to move this stock to the hights we expect and deserve. In time we should get there.