So Chevy, we've seen a 20% pullback within the month and I'm thinking to myself...does this bake in effects of possible dilutive capital raising? I don't have a position now but was considering it. I don't doubt that Q4 will show positive results, but what are your thoughts on this capital raising? They seem to have no time table, so are they just trying to raise ratios organically through earnings? Another good quarter could push them into adequate capital ratio territory I would think maybe. Thanks.
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