Billiam, I like your posts but have some questions about the numbers. First, we don't know what percent of the assets are toxic mortgages, it could be much more than 25%. Also, in your calculation of around $8 per common share, you didn't include the amount that has to be paid to the creditors as well as the preferred. Finally, it is not clear yet how much has to be paid to the creditors now or when we exit bankruptcy, and how much is not due for several years and can be deferred. I continue long and strong, because I still think our chances are good. However, I think that JPM is likely to put up a long fight and that this is likely to be dragged out. I hoe I am wrong in that regard.