I thought I did a pretty fair job of summing it up.  If I missed something, then by all means, enlighten me.  I don't think it takes an MBA to figure it out.

Just because we're not running in circles like Chicken Little hollering, "The sky is falling, the sky is falling!" doesn't mean we're not interested or that we don't understand what's going on.  Frankly, I'm a little disappointed that you've seen fit to insult the intelligence of your core audience, Rob.  I thought you were better than that.

Regards,
Scott "I-don't-know-nothin'-'bout-securitizin'-no-mortgages" Perry