Dr. Phil, an apology from me to you is in order. I was unable to open the "letter" file until today. The letter that you posted here is in fact the letter that is filed with the SEC. I am sorry, but I just don't trust these guys. Maybe I will be proven incorrect.
"Common sense and a sense of humor are the same thing, moving at different speeds. A sense of humor is just common sense, dancing." - William James