Hey Roos 2000....very interesting speculating....with FNC being so uncommunicative, it's all we have left is to speculate. Like astronomers knowing something is out there, but they can't see it directly....it is inferred to be there by virtue of its effect on surrounding bodies. When all is said and done , I'm in FNC for closology and very low shares out. FNC may be playing its cards close to the vest for the better......regards....sambone