Look at the delinquency levels under 3 (October figures). Isn't it fair to say that we are still far away from a triple A stress scenario. I.e., MBIA will likely not be hit by the CRE problems (apart from MtM issues)?
Rust me, nobody has under estimated you. In fact you've exceeded many expectations by simply being able to log on to the internet. If you were ever to find SpellCheck and use it......well that would rocket you past any of our estimations.