I was right the first time, will be puking out shares here as well. what a terrible quarter they beat last quarter provision with a even larger provision, even with a nice chargeoff no less the balance still went up about 25%, NPA continued to rise sequentially. I have 0 confidence now if bad loans are just getting started here now, and as I said asset health is the most important thing with banks. I was under the impression after last quarter they had a handle on it, I was wrong, as it got significantly worse in my opinion.