This letter just reinforces my earlier conclusions. These conclusions are: 1. Junum is disputing as soon as they receive your reports. 2. The purpose of the letter is not to let us know that they are dilligently working on our disputes but to invoke the 45 day rule. Under the law they have 45 days now from 3-17 to repond. I know we have discussed this before but I thought it would interest you.