This is a strong company by any financial standard. I purchased 2000 shares at $24.34 a couple of months(now $30.50) ago when it was ridiculously mispriced and I plan on being a long term investor. Before the housing crises even hit American mortgages in arrears were at 3.0%, whereas Canadian mortgages in arrears at present are less than 0.3%. We have seen these guys come and go before, with their tail between their legs and I expect to see it happen again. Also HCG has received permission to do a major stock buyback of 10% of outstanding shares for cancellation.