Nothing you say will ever be over my head. I know you are a legend in your own mind but the outside world cetainly holds a more negative view of your pomposity. Alliance has a relationship with a major bank as evidenced by the line of credit they make timely payments on. You are not a loan officer. So in your opinion maybe you would not lend them money but you can't speak with any authority for what the bank might do. Also not every company can get a million dollar credit line. For you to dismiss that as nothing of consequence is not surprising.
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