Agreed NeoSunTzu - it seemed the biggest contention was on the payment of fees and whether or not shareholders who opted out would have their pro-rata representation reduced from the payment to the class. If I remember correctly there was an amazingly small number of shares who option out - maybe less than 10,000 shares of FMCC or any JPS class. Pulte mentioned that one of his priorities was focusing on " safety and soundness" - my hunch which may be an optimistic reading of tweets is that safety and soundness includes settling all of the lawsuits sometime in 2025. McNuchin set aside $ 5 bn to do this in the Jan 2021 Letter Agreement.