I don't think they have an issue in the marketplace. Operationally, they're hitting their stride ... but this is a stock that has to trade on more near-term earnings.

We do not think Murphy is out of the woods yet operationally and still recommend avoiding the stock.

It's always great to get word that you've been picked up for another season, ... We're really hitting our stride and have great story lines already mapped out for next year.

We think the stock is still a very good long-term investment,

We don't think this is the definitive answer on this issue, but I do hope that it would put the brakes on -- at least in people's minds -- about this rush to privately run schools.

That's just a huge spread. We think if you allow people to participate directly, it's a more efficient marketplace. People can make a better return on their deposits, which then become the source of credit to others.