I continue to stand by my estimates. I don't wave them with a flag, and they are based on what should be the approximate return if the rule of law is followed. it doesn't matter what the number means and the people that have it from me is because they have provided me with useful information. WMI was a restructure (11), not a bankruptcy (7). Fan changing lightbulb switchers, trading fabricators, and their minions do not make the rules. Interpret all you want...The law makes the law. From a finance stand point, that is also pretty simple. Companies are given many allowances, different methods to conduct, structure and report. A MB is not going to change what happened, or what will happen. History and future events will take care of that. Enjoy your lives and please dont let this be your life...