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Thanks for that juqu. It seems that you are right about short term pain given the further drop this morning. However, I agree with you also about the long term and am confident enough to have taken on more shares at the current bargain rates. The last time I looked Sally Malay hadn't issued any mortgages into the US sub-prime market and I am unaware that their in-ground resources have mysteriously evaporated. When sanity returns to the marketplace we will hopefully see a return to sensible prices.