You attempt to discredit the Separate Account plan, which is an ongoing plan, currently in the 3rd phase: SPS increased for free considered a joke "in the best interests of the Agency", because it just reduces the core capital in the enterprises, concealed with Financial Statement fraud in FnF (these SPS for free are missing on their balance sheets, to evade posting the offset with reduction of Retained Earnings) for the lie of "FnF build capital". By the way, the Securities Law violations carry the assessment of moral and punitive damages as a settlement. Finally, outlining "bankruptcy reorg." as an option, just like Bradford stating that a Conservatorship is similar to a Chapter 11 status, only shows that you two are here to post malicious comments to downplay expectations and harass the shareholders.