Management acknowledged that, although its financial services business does not make up a significant portion of its overall operations since the acquisition of its insurance subsidiary, the company has not been immune to the general trend in the financial services sector and has experienced losses. However, the company has taken steps to limit costs, with the expectation that the resulting savings will have an impact on the rest of its fiscal year. The company was able to pay its fifth consecutive common stock dividend at the close of the second quarter. Although the company may harbor some minor weaknesses, we feel that they are unlikely to have a significant impact on future financial results. Our quantitative rating is based on a variety of historical fundamental and pricing data and represents our opinion of a stock's risk-adjusted performance relative to other stocks. However, the rating does not incorporate all of the factors that can alter a stock's performance. For example, it doesn't always factor in recent corporate or industry events that could affect the stock price, nor does it include recent technology developments and competitive dynamics that may affect the company. For those reasons, we believe that a rating alone cannot tell the whole story and that it should be part of an investor's overall research.