mcap to cash of 2.6 times looks a tad cheap

i did the same and got no reply what so ever, twice to be honest.... so i sold my holding.. i think it will turn good in the long term, due to the size of the muslim population in the uk and the priniples involved in religion regarding the way one saves, or takes out a mortgage, so they will have loyal and a huge amount of customers to appeal to, its just a matter of giving the potential customer the opportunity to open an account, which would bring them their profit but at the moment this cant be happening as i, you guys and many more out there have not even recieved a letter in the post regarding application forms etc... I'll take a back seat on this one for now but if all goes as i envisage, it will bee a worth wile investment, but thats my opininon,

Any way, happy new year and best wishes for 2005. may we all prosper..