Thanks JD for this information - I very much appreciate your responding to our querries on this board.  One of the hardest things in investing is the need to be patient.  Given the turmoil in the market these days it is actually like we are in a bit of a safe harbour so to say - we are really not that volatile in comparison.  This subprime thing is really cause to be concerned for those shareholders of CIBC and Citibank.