Monster; thanks for the digging and sharing your findings and thoughts here. Honestly, I haven't done much digging myself as I'm of the opinion that there's not much pertinent material to be had at the moment. I'm a shareholder largely because I believe in the business model and until management gets all the pieces of the business plan in place, frankly there's not much to discuss. It goes without saying that todays news regading financing for micro loan and the remittance business is of upmost importance. Without these two pieces, what's the value of this business? Others may disagree, but for me, not very much. So, again we wait to see if management can get it all together and hope that the stated schedule of closings has some sticking power. GLTA