WAY back right after the merger, I conducted a perfectly legal & acceptable PCS transaction, because, hey that's what the transition documents said you could do. Not five minutes after the PCS run I get this phone call from some dude ripping me a new one because of "yada, yada, yada, curse, curse, curse, your taking away my money Northie, blah, blah, blah".

Had he said "hey man, if you do this, that and this other thing, everyone benefits", I'd have listened to him and thanked him for the advice.

Instead I was way more polite than I should have been in telling him to buzz off.