Read the following report I prepared. Here's the first paragraph, the rest is accessible by following the link underneath: A Simple Predatory Accounting Policy provides windfall profits for Banks at the direct expense of struggling homeowners. Never before has this deceptive practice been more destructive than in the face of escalating home foreclosures and on the Eve of the 3rd major down period in US History. Recent reports suggest that Foreclosures increased by 121% over the past year, and there's no end in sight. This Banking Practice increases the rate of Home Foreclosure and creates an avoidable strain on our Economy. http://www.stocktradersdaily.com/News Release/News_release_TA_0007002608.htm Let me know your thoughts. THK.