Guys some of you have already spotted that the management is the problem. It is not their service offerings or business model but sheer inability to deliver based on incompetence. How can anyone fall for their spin anymore - you have been misled into thinking this is a viable placing. The AQL managememt see OPM (other people's money, and by that read 'your money')as the only route to making themselves rich. You only have to see how much the board members have personally invested. If this stock is to perform - bearing in mind the insurance industry (its client base) will also know of its lack of success to date - is to bring in fresh, competent blood.