It is up because of the fact the market needed confirmation to realize earnings are gonna be positively affected, because of taxes, nobody said the market was bright. I don't think for a second they are telling you anything on bankmobile, what they are telling you is now they can make a concerted effort to growing assets in 2018 and beyond, that's all I got from that. That q4 will be a kitchen sink quarter. Negative growth although the bank wanted it too be negative so they qualify to the middle of 2019, they can now make a huge effort to get back to growth and get this money losing business off the books as well, which is not being run properly because of where the assets are, I think it can be profitable business is just needs less restraints too do it, which is what the spin off will accomplish in my opinion. CUBI said before they would earn over $4.00 from there core in 4 years and that was before the tax cut, which will make earnings close to $5.00 from the core plus you get a part of the other business as well. This stock is massively undervalued, I'm not playing this stock for a quarter, I'm looking out numerous quarters in advance and I see a huge winner in the coming years in my opinion. All is just my opinion, and I could always be wrong though.