Ann: Appendix 3Y (Raphael Geminder), page-8

Wow.... just wow... who would have thought that such an error went in the direction of a falsely high % rather than low.... whats the odds.

Had the phone call from the paid marketing company yesterday, full of misinformation and scare tactics. provided completely inappropriate information, such as "Kin Group can never offer more than 84c, not even outside/after this t/o period....