Exactly and that is why I am doing $ cost avging. I have a fairly small number of shares at the moment, however I will be buying on the 20th of every month until I hit my cutoff point. If it stays low like it is I will lower my breakeven avg. with each buy. I'm hoping to end up with breakeven at $2 per share and have somewhere noth of 5K shares. This is a money center bank and I can't see it going under. IMO