Main reasons to join: - the sector finance and insurance is generally in decline according to the latest report of Institute of Supply Management (ISM), as stated in their latest survey for the services PMI - GSHD declined already from great heights due to collapsed demand, as they focus on new home owners - GSHD is headed the founding family, who enrich themselves but not their investors (CEO, his wife and his son are all in the management team!!! = nepotism) => RED FLAG - dividends are financed via debt !!! => RED FLAG - further details in the report