I think what they say is crap and I have thought that for a while. That is why i like the calls though, you risk little and the reward is huge if the stock takes off. The CEO from what i have seen is all about under promising and then over delivering. How can they not make money when they can get it at the Fed for practically nothing and lend it out at fat rates in a world that is hungry for credit? I have a hard time thinking they can't make money in that scenario, take my opinion for what it is worth (jack shit). You will see the analysts revise their earnings for the rest of 2009 and that is probably when the stock takes off.