You 100% right Bobb.I just wrote that as a Counterargument to the Word Spelling of some folks here to throw the 75%/25% as the Law of the case and pretend more while the Prefereds almoust 10 years from the infamouse 2008 are still unimpared and kind of want to force their wishes above the Simple and Primary BK Rule of the Law the APR.So on them the choise.They either have the APR and get the F out from here or have the 75%/25% till the end dont bark anymore their dark wishes.Sorry man but am tired of this BSh which repeats it self every week or two.