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David MI hadn't really thought about what Jim Crandell mentioned. What would happen if you had submitted a bunch of cards to PSA and then they shut down? I guess it's like the Mastro discussion. Since I have some cards I was thinking of submitting, this type of talk would cause me to take a "wait and see" approach to submitting any cards. So this also confirms the other point Jim made about the affect such comments can have on a business.