Was looking at old tapley model, and trying to remember the gator model All had future values at like $14/share. These are not pumpers. bad loans are decreasing some good, potential legal victories ahead. The unwinding of PREPA might prove interesting. it will unlock some value i would think. What ratios do we have to meet with the ny insurance dept. to get rid of our bad mark? or is this a moving target. At some point we would find additional profitable companies to purchase to take advantage to the NOL. A WMIH deal should be good. My understanding on that was 3 years they had to wait before 20% buyer rule on the NOL goes away. Is that true here?