skeptic, i would be fully in your court except for the en banc decision and sweeney's pointed comments likening the gov't behavior to the mob ... having said that, I have been unable to understand the optimism for any near term outcome, much less a favorable one, and agree the likely one year delay (+ growing delinquencies/defaults) could depress share price further ... who would have ever thought our own gov't, especially under DT, would have done this and/or continue to fight against a reasonable settlement ...