I do not trust any financial company that has miniscule capital requirements and huge cash flow... and gives nothing to investors via payback (read dividends)A 50 million dollar buy back is giving back from where I come from.Excluding cash generated from tax benefits related to employee stock options, operating cash flow in 2004 would have been less than 10% of net income.Can you point me to where your source for this is. I've made a attempt to read the 10K but Banks & Insurance companies make me dizzy.ThanksB
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