I gave you a like because you put this on the net for all to see, it was not that I liked the timing of the letter. I read my letter yesterday. I have many questions about the timing of the letter. I want to say a lot but will be taken as a negative. Yes, this is an annual notice. Yes things need to be fixed. Yes things are underway toward that goal. No the same people should not be in charge of a failed plan and get a raise in pay. Sending this out just days ahead of the Treasury decision and the vote. Priceless on their part. Put fear in minds of the voting members. ( works every time )