Its intersting, I down loaded the Gotham report but haven't dug through it yet.

I'd dig thru it if I were you. If you've invested in this company, I'd be curious to know whether you have any counterarguments to some of the very serious criticisms brought up in the report.

Consider:

-audited by KPMG, switched to Anderson in 1999, with highly creative accounting
-misleading statements in press releases and earnings statements
-risky investments in farm loans with generous conditions
-inadequate capital reserving for bad loans, compared with other lenders
-mismatch of long-term assets with short-term obligations, with potential for credit crunch
-Enron-style round trip loans and guarantees with off-balance sheet entities
-conflicts of interest in board of directors
-abusive insider remuneration, particularly with stock options
-mistakenly identified by Bloomberg as AAA rating by Moody's, recently corrected to NR=not rated

And all this, trading at rather high multiples to reported 'earnings'. It sounds to me like it's about as egregious an example of a stock to avoid as one could dream up. I would think it would be hard to invent a better prospect for disaster.