Wow!
Please don't take this the wrong way, Re-f.......nothing in your post about MDH business practices is the least bit surprising. I'm pretty sure most of us had strong intuitions about these practices and much more, though you do offer first hand perspective, which I appreciate. It's not a crime to be a lousy business manager except when you use OPM and deceive your investors while doing it. I stand by the comments in my last post. Your macro-economic comments are way, way beyond the MDH concern, IMO.

Just one question........I am not familiar with the term "unbanked individual"...could you explain?