We are blazing our own trail in terms of what products and offerings we have.

As time passes we all get better at blazing a trail through the thicket of advice

We don't see the industry has reached equilibrium yet.

We look forward to working with our new independent auditors and we're eager to continue building our professional relationship.

Response to syndication of our exit facility is yet another validation of the substantial and sustainable improvements made during our restructuring.

That's considerably less than some external estimate I've seen.