good buy at $2.49- -good dividend, page-12

The RAD is not interest bearing. The companies earn off gov subsidies depending on the ACFI, DAC (daily accommodation charge) and a deferred management fee (exit fee) in most cases. The balance sheet can be a bit misleading showing RAD as short term liability when it's simply a deposit held in a trust AFAIK. I think the main risk here now is changes in government legislation, particularly around the DMF but also clamping down on sanctioning (tighter auditing).