Tom –

As you are most certainly aware, in 1997, I sold my my proprietary bank rating system to Bankrate, Inc. and monitored the methodology and results through the ensuing eleven years. The system graded Insured banks, thrifts, and credit unions on a 5-Star baisis (CAEL 1 -CAEL 5) and incorporated NO Subjectivity.

We should talk.

Milton R. Joseph