RATE is absolutely just manufacturing cash. <A HREF="http://biz.yahoo.com/fin/l/r/rate.html" target="_new">http://biz.yahoo.com/fin/l/r/rate.html</A> ~27% bottomline profit margin! Look at the ROA and ROE. Crikey! If it goes under $10 on this refi correction, I'm a buyer. INV will issue a dividend and RATE will acquire another company if the market is stagnant. Edit: It's 2:40 am. WTH am I doing up?