established business with other lines of business which make...

established business with other lines of business which make profit.

loss seems to be mainly from main expenses (which can be calved)

entering an arena where credit recovery services will be needed and capabilities sets (true some areas positive some negative)

Currently not in exemption from insolvency category.

in short a matured business they ain't dead yet.

while I understand the entire board is responsible, if was a fly on he wall it would be good to know who was the villain here and what elements made up the this weak position.

sometimes it can be a CEO and just one or two pals that sway while board thinking. sometimes really good middle management warn them and they don't listen..

true whole industry like banks got bashed in how to handle things, but their reports seemed to be addressing this

Not all businesses are APT ... to me it seems ok (outside SP) and this major, major stuff up; I'm just curious if they knew it was coming and hence is it legal to halt the price for so long and then open at like $0.40 -- I'm sure it is, I just haven't been investing publically long enough to see something like that.