You folks should take a look at CZBS. With a pps of 6.16 it is a bit pricier than many of the stocks we look at in here but it is way undervalued. I'm sure it will be a slow mover but with a book value of over fourteen bucks, I think it will be a "shiner" by the end of the year. This is the perfect stock for a retirement account. Look for CZBS to be selling for well beyond ten dollars come the start of 2015.