Skol, a customer owed me money and I collected instead of wiping the debt clean, which Jews are instructed to do during Shmitah. So on a personal level I would say my Shmitah is pear shaped.
Why didn't you pick apart my analysis? Is it that you only pick on stupid people. Sometimes I think people only read posts that are filled with your criticisms. 49 isn't bad considering it took 10 minutes to write.