I think this is FAR more common than many people realise. I expect gangbusters growth in reverse mortgages in the decades ahead. I think this is the core area where I differ from some analysts with my view on the intrinsic value of Heartland and the growth that lies ahead. Even Jarden with their updated valuation this week of $2.34 only have average eps growth forecasted at 3% per annum going forward which looks like an extremely conservative assumption to me. I foresee average eps growth in the next decade to be more likely in the mid - late single digits.