I AM PRESIDENT OF SENIOR CARE BENEFITS INC..I have never posted on your board...My agencies sell a tremendous amount of long term care insurance...Genworth is the undisputed leader in this market..IMO the bulk of assets are extremely profitable with substantial reserves to cover claims..The company has 30% INCREASE IN LONG TERM CARE SALES WHILE COMPETITORS ARE LEAVING BUSINESS.....On a personal note I have purchased a substantial amount of Genworth under a dollar and will not sell for sometime.Congrats to all and have a MERRY Christmas...Mr. BUFFET ALWAYS SAID BUY WHAT YOU KNOW WHEN IT IS UNDERVALUED....I HAVE BEEN SELLING LTC since 1982...god bless to all