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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.

Thanks

B
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