I have come to rely on the wry wit of Doris; quite frankly, the insight of a lot of numerous people on how they are handling their credit problems. So, why has this board turned into the Jerry Springer of the web. We are all trying to do the same thing re-establish credit and become finacially credit sound again. Can we go back to talking about credit and not blaming or pointing fingers at one another. It is not productive, It is not funny, and It is not interesting.