Yes, and I think this is a stock that patience will reward because of it. NO pipe dreams here, just a new company with a plan that raises the bar on a product that once seem unheard of. Believe me when I say I have been looking for the down side of this company and I just cannot find it. As a result I loaded up on this stock. The only possible downer would be if they are way off their mortgage projections; I just do not see this happening.