St. Joe as an entity has been around for almost 80 years !!! Every industry, as well as the economy in general, have their hiccups and catastrophes. It is all part of the natural ebb and flow called the business cycle. As sure as day follows nite, the real estate mkt and St. Joe the stock, will recover and prosper. The antidote is time and and further pain. The analogy is cancer. The patient needs surgery, chemo therapy, and recuperative time to return to health. I think the surgery has been performed and chemo is now being administered. If ones has a longer term perspective, the present condition offers a wonderful opty. Be prudent and use common sense. Don't gamble with the rent money. As the bible says, "THIS TOO SHALL PASS".