this isn't cricket....it's not a place to sledge, not a place to fire personal insults..as I've said before, make yourself known to the credit risk team..presumably you're working in a top class bank, lender... so really should be spoiled for choice..this back and forth is going nowhere...only highlighting to any credit risk folks in this forum of your inadequacies...we all have them, credit risk management is yours...but you can change all of that...read books, ask questions ...enjoy the weekend, gltah, can't wait for apt to tank....