Just in case you guys weren't aware of it, though Craig has his finger in a number of businesses, the one that carries his name is Chase Financial Services. I don't know exactly what CFS does, but I have it on good authority that Craig is an adviser on compliance issues to finance institutions. So when it comes to credit, theoretically anyway () he knows whereof he speaketh.

Jack

"People generally quarrel because they cannot argue." - G. K. Chesterton