The problem with you opinion is it is not worth very much...
It makes me laugh with all your research and being such a investigator that you have put 2 and 2 together and might think that Nickel77 that posts on another board might be the same person...great work Sherlock oh wait you don't really know you are asking...I think everyone knows they are the same poster?
It just shows you are playing dumb or at least I hope so? I mean everyone that follows this stock at all would know that these short term loans are flexible...please quit acting stupid and if the later is the case stop investing in the market you don't have a hope