Thanks for your PM 56,but sorry unable to reply back by PM(don't have that priveleged feature as I'm a Freebie here).These days I'm not much of a longterm buy & hold type,lately become more of a swing trader.I got out of FSGI for a neat little gain,it was getting too slow,still like it and have on my watchlist though. Thanks for your message,much appreciated,will follow your posts for banking sector play ideas.Good luck.