Interesting. Nothing I would invest in, but you invest in what you know, so that's no cut on CARV! They, #1 are in banking, but that really doesn't scare me much anymore! They, #2 are in an interesting market niche (largest African- and Caribbean-American run bank in the United States), I kinda like that. Listen all, I am not an adviser (I just love ISPI). But your stock would probably be a solid 3-5 year hold, not a short term hold. This is just 10 mins of dd, so do what you feel is right - Greg