I hesitate to use such a word - it just seems a little harsh but it certainly is a word. Let's wait to judge until we see what Joe has to say about these debt wraps based on accrued wages that weren't reflected in the filings - I am sure there is an explanation.
" We either make ourselves miserable, or we make ourselves happy. The amount of work is the same." — Carlos Castaneda: Was an anthropologist and author