I appreciate you giving another perspective but unfortunately for me at least , I got lost really in the noise if you will. I just didn’t really track well because just seemed tit for tat and I agree semantics but from all sides. Do you mind just putting it all (your basic concerns) in a quick 1,2,3 format easy to understand for dummies like me ? Thank you. Hopefully the responses and questions will remain respectful. I don’t think the name calling helps . Maybe solutions like you saying what you would do. Like you said concerning all these delinquent notes. Just retire them, flush them, somehow remove them. On that subject , isn’t that still a possibility Mr. Galvin still can do anything he wishes concerning those notes ? With board approval of course.