Yip, agree Apathy. With the review being undertaken, I would think that Heartland bank wouldn't put up all the required capital, and shareholders will need some input. Due to the risk involved, this would need to be at a discounted price to the market. They should consolidate the number of shares on the market, then to capital raising. They could do a non renounceable issue 1:6 @ 1.5cps which would generate roughly $4.5mil.