Sorry, I wasn't clear on what you said there -Are you suggesting...

Sorry, I wasn't clear on what you said there -

Are you suggesting that there is something systemically incorrect with the rationale of the writer I quoted? If so, do you care to share in what way? And how were the "other two commentators" providing a different view in respect of high defaults and decrease in return on capital?

Rather than telling me what you think I'm doing, why not add a smidgen of value to your replies and tell us all how you feel we are purportedly misinformed.