Lex, It is well known that this is a lotto play. Like Erret said we either lose everything or we win. Many here have confidence this is a winner. Check out this post from Billiam_2 http://investorshub.advfn.com/boards/read_msg.aspx?message_id=62714892 Also Net Operating Loss (NOL), Bank Holding Company (BHC) Good luck to you Lex, wishing you and all here the best. Guiseppi