I would be too.. A year and a half ago I was between Synchrony and ADS, and eventually picked ADS thinking they were more undervalued. SYF is up nearly 50% this year, outperforming, while ADS is down 30%. A dramatic difference, especially in my pocket book and ego. We are always learning and growing as investors, so feel free to give comments on where i went wrong. I feel its a perfect example of when two horses look alike always pick the fastest (best in show). If this is off base on the thread then please let me know. Im fairly new and want to follow guidelines.