Amen on that one !!!. It’s interesting that, CBA09, you , LG etc maybe agreeing on the same theory, albeit in a roundabout way ? Please see post below : https://investorshub.advfn.com/boards/read_msg.aspx?message_id=162001989 LG agrees with CBA09 and we have the original link/post from CBA09 embedded in it. CBA09::: Certified Bank Auditor 2009 Key Words : “follow each respective Pooling & Service Agreement (PSA) provisions” So technically, there is no conflict between the classes. So not sure if there is an “actual” disagreement. FWIW JMHO GLTA