OK nobanker, you made some interesting claims. Unless you were/are an insider, how did you obtain this information (other than the one earnings call in 09 you alluded to)? Seems to me you have a lot of energy around this stock to have developed the amount of knowledge you seemingly possess. What would make someone who is so critical of a company expend the energy you apparently have and continue to do by following it, even writing blogs? Are you a malcontent because you got turned down for a loan or were you a former employee who got the ax? What's your motivation?