Hi Mike, you seem to be a loner on CRZ thread lately. All your posts are interesting. I did look at CRZ only because some analysts on FN Arena are having a BUY on CRZ with target price $5.48. Yes, the company is good, haven't studied any financials yet, but ROE is impressive. I think that atm the sp is fairely priced if not slightly overpriced. Would you agree with me?