8-29-2013 *Adam Montana

[Vixen]

8-29-2013 *Adam Montana ~[How can there be an RV without the HCL being completed? Won't that have an effect on the rate?] I don't think there will be one without the HCL. I know there's a lot of people that disagree, but I think the HCL is a very big deal. [the HCL should have happened by now. Do you have any insight as to why it hasn't happened yet?] It took a good decade to get Chapter 7 done, and I think it would be foolish of us to think HCL can be done in weeks... it could be done tomorrow, but it might take another year or two.