That's a rule I will use from now on! 
 I looked at the price,checked the finances and profit plus the dividend payout ratio and thought this HCG was a great buy. It is a very profitable company, but nobody can survive a run on the bank without help as your assets are tied up in income producing mortgages. What happened was right out or the 1930's where good American banks went bust after a panic. It only stopped after (I think it was) J P Morgan got all the big banks together and they made a pact to bankroll each other through the runs.
Never saw it coming.