There are some really great people who monitor and post on this board! We just need them to drown out the rest... but understandably, so many people don't want the confrontation. Anyway, welcome to the board - hopefully it will get better! FNMA use to be amazing board... recently we have attracted all the shorts and FnF preferreds that are trying to convert/argue/take out their life frustrations on anonymous people... who knows, why they do what they do... GLTY!