has made no decisions at this time regarding a Chapter 11 filing.

Chapter one is completed. It's playoff time and we look forward to the challenge that comes with being a No. 1 seed.

We'll go over the qualifications of filing for bankruptcy and the difference between Chapter 7 and Chapter 13, the means test, the advantages and disadvantages, the pitfalls of filing, what's exempt and nonexempt.

Our previous view ascribed a 50 percent to 60 percent probability to a Delta Chapter 11 filing. We now think it's 80 percent to 90 percent, primarily to the recent surge in oil prices north of $60 a barrel,

Jem?" he said. 'It is you, James?'
'Who else?' Jem's voice.

There was no continuity. There wasn't much in the way of crossover regarding the roster or coaching. If you look at what's been successful worldwide, they have a national team and the players take pride in playing for the national team.