Don't get me wrong, I own CDIV and am not flipping it. I've met Monk and Jason and many others from the Den in PHX. They all strike me as good honest people interested in helping others.
With that said, I have yet to hear a refutation to my short number explanation that I think makes sense. I'm happy to be corrected on that if you have information I haven't seen.
Trust me. I want to see an FLD work as much as any of you.
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