anyone with a view on DSY, they've maintained their AA rating, have 2 million clients in SA, up to over 100000 in Pruhealth, have a very favourable age group of clients as opposed to other health schemes. Me thinks within the next year they can stop using the excuse of being in a growth phase and declare a "real" dividend... not going to double your money over night but could be a fairly safe bet for at least 20% growth over the next year?