marayatano, that was a great post. Many thanks for showing up here on the CIT board. It is a risky play, and no one should risk more than they can throw away without it affecting anything in their lives or the lives of those around them. That's my motto pretty much since I was burned by Eddie Lampert and that Conaway fellow in the KMART bankruptcy that should have never been a bankruptcy. "What? You forgot to properly value all that land those Kmart stores were sitting on?" LOL, Too late now. Good luck to you and all those trying to get their money back with their CIT investment vehicles.