i care little about any dividend yet- this ceo and company is showing most of what we need for it to at this ridiculously low price per share- i'd prefer such dividend thinking to come later- but if i was to talk to him, i'd be pumping him specifically how he is approaching any potential recession/housing issues for next year. Since he's been in this game for quite a while, has he hedged somehow in case of motgage failures----------does he have realistic equity backing his mortgages and such. I suspect these questions of mine are simplistic- maybe even naive- but as a rookie to this motgage/financing world, it seems to me that business for sfnn shouldn't be THAT disturbed by continued housing slowdown if he's opportunistic and prudent enough. Folks will still be refinancing- and many folks still will want to own versus rent. CNBC daily pushes for builder bottoms already reached. Yep, if i was to talk to our ceo, i'd be pumping him for clues about prospects and guidance going into 2007. (food for thought)---------one thing that truly strikes me about this gem is the fact that we're so low key. It's been my experience that it's the low-key companies and undiscovered gems like this that rise in the most stellar way in the end. I'm adding on all dips going up.