Darn it Wolf, you must be wearing those gray-shaded glasses again. This is Patriot Bank – we loan money to a lot of people and we invest in a lot of deals, without security, without adequate asset verification, or guaranteed returns. Sometimes we loan money to people who could be considered shysters, and sometimes we invest in businesses without getting proper valuations. Although admittedly there are times when we cannot make such loans/investments because we have locked up our cash in un-marketable securities and thus it is not available to be given away, I mean loaned. You need to snap out of the real world of business practices and put on some rose-colored glasses: this is PB, it is different; give the BoD a break, and remember – it is only money.