That's the point my friend—I don't disagree with your core...

That's the point my friend—I don't disagree with your core position. That tightening credit lines will be a consequence of our present macroeconomics is obvious to anyone with a twitter feed and half a brain—and has been the case for a long time. That's why I took a joking dig at you (defining it an insult is a bit dramatic brother). That you literally believed a financial reality so obvious it even occurred to one as economically illiterate as me was at all a value-add of any significance, and had not occurred to the ex-fund manager when he first took over the company, is, with all due respect, a laughing matter.
If there is one fundamental truth that has endured since we we were all in pre-school it is this: some teasing is cruel, but others are a kindness—a gentle kick up the bum to let people know when they are off in the deep end. You fall in the latter camp. I am sorry you sold. That you will come to regret it is no question my mind. In fact, I think it is no question in yours either—hence your commitment to still frequenting this forum and sharing your half-baked analysis.