Agreeing with diamond that it would tank to the 12 to 18 range then intimating that 18 will be the lowest, is investment advice, regardless how you spin it....you are trying to weasel out based on a semantic argument that you didn't directly say to sell or directly say how much time folks would have to buy back in....it is advice, and the idea is completely ludicrous....COOP will not be dropping to 18 dollars a share...and that is investment advice....for myself...I have held since buying at 8 dollars and plan on holding until COOP is paying dividends....now back to the ridiculous theory hour....