I think the "fairness" report was simply meant to make stockholders think management actully cared, which they did but only about themselves. The story around the water cooler, which was no doubt put out by Fitzpatrick, was that FVBI was not equiped to work with the growing technologies required of modern business. That was correct but could have been fixed with dedication and a couple bucks. Perhaps there were some other issues that FVBI management did not want to make public, say for example Trust issues etc. Think it goes back to Mike Fitzgerald a few years earlier. Do you know the story?