Call it what you like, but if they were selling what they said years ago, they wouldn't need credit. They have had WAY to long to prove themselves. But that's just my opinion.
Be happy while your living, for your a long time dead. And live today like it's your last, because one day it will be. Count on it.
Check my board and iBox for previous trades, and please add a board mark if you benefit from the trades.