Great question marckohlbrugge. I will read your link a bit later I seem to have a lot of questions which is blowing me away. I am looking for critical, helpful, honest reactions. You cannot offend me. I am nearing six decades in real estate with an unusual history. Initially I was a huge supporter, and it took me 25 years to begin to turn contrarian. I believe real estate has many problems and I have tried to fix them from the inside. I wrote a book, I answer consumer questions on my dearmonty.com website, I finally realized to have an impact I had to do something much larger. Thank you for your questions. I appreciate it. Richard