10 year t-bill will pay 1.3% with possible less worries... FRD, why gamble on a company making a 5% return quarterly for shareholders... .70/$14/share...conservative price... which would be more like 20% annual rate to compare to 1.3%... fun with numbers... $54/share on FRD would drop it to that 1.3% quarterly return rate for efforts... plus FRD has few shares out and means it is less liquid... pretty speculative for right now... so we watch...LJ