glenc....
how many signs need be posted to warn of the danger???
seems to me the point of those who see SMME as a disaster has been made...and noted...and described. Perhaps we can agree enough signs have been posted.
And you are unfair to equate Chaya with Madoff and to conclude SMME is failed.
Evidence of both the above DO NOT EXIST, but only in one's mind. The Card has only come to its fullness in the last 3 months or so. THAT is NOT enough time to realize its potential, especially with the budget Chaya is working with.
Let's post what we know and if there is no evidence make that clear in our posts. AS for me, your reference to Chaya being equated to Bernie Madoff borders on libel and is certainly unfounded.