Never did I say how I have it figured out.

I gave my thoughts and opinions based on what I've seen and heard during my time here.

Feel free to add something insightful and maybe I might learn something from you, I'm not saying you have to agree with what I personally think, but right now you sound bitter, and hell you may have every right to be.

But lighten up man. I said discuss, not be a d*ck. I mean unless you don't think we could be compensated more, and have better reserve rules...