That's right. It's Bland and Morris, Ho is just a new face because Frazier was getting old and tired. Ho only has his name on the paperwork while the PUPPET MASTERS do all the creative writing.
You say people forgive large amounts of debt. "Happens all the time." Really? Give 5 examples of at least $400K being forgiven. Be sure to detail the circumstances as well. Should be easy if it "Happens all the time."
Yep, don't even have to think outside the box. The ibox! Where the history of the PUPPET MASTERS is documented and continues to follow them no matter what they try. LOL