Firstly, I agree with @61289439 from the onset of not needing to...

Firstly, I agree with @61289439 from the onset of not needing to fuel negative comments on this thread. There will be people posting about threats to IOU, opinions, downramping and all of that - but that's fine. It happens on HC. The bigger problem is people getting sucked in to responding and then that particular thread becoming the most talked about! lol. People have opinions - that's fine. Just ignore if you don't feel its worth replying - and instead, continue the conversation threads from the likes of @61289439 and @kevin103 who I think write very well on the IOU. I actually have no issues with the others having an opinion - even negative ones - again that's fine, part and parcel of HC, but to have a million replies on a negative comment I think fuels it a bit. So yeh - just ignore and move forward lol.