Well the misguided assertions here Sir are once again well taken, but as you burn rubber leaving no skid marks to show that you were there still negates your attributes.
You seem to forget there was more than Joe who did debt wraps with Dean, and if you are to suggest that Joe's were illegal then that would suggest that they all were right?
Also, the field of debt wraps extend well beyond Joe and Jeff hell for that matter the one's who made out, makes their involvement look like child's play. (Joe and Jeff)
Facts are better proven when there is undisputed evidence to back, with your claims of circumstantial evidence only weakens your case. Nice try though, on matters that require real in depth knowledge on the issue Sir you should plead the 5th