I have to agree with you it is very troubling. When I have called owner relations. They told me just today not to plan on any payments for the rest of this year and possibly into next. I have asked to speak to someone outside of owner relations. However you can not speak to anyone outside of owner relations. I think that is beyond troubling all on its own. I am so over HC. I am about ready to find an lawyer and let them have a field day with this. What is even worse is the person I spoke to today told me if she was in my shoes she would file a lawsuit. What does that tell you?