What is the Business Plan going forward? More of the same by the same team? Raise additional capital and HOPE that it is enough to weather the credit strom hitting the portfolio? How does this represent the interests of existing shareholders or represent a good investment for new capital? What is the strategy other than maintaining a very comfortable port in the storm for management? Does this board challenge management in any way to execute a best-in-class strategy? HOPE is a potlical expression not a strategy.