In dealing with public shareholders Cotter. You may want to add a human touch to your ways. Listening totally to advisors who just bend you over to take a dollar is not always advisable. When things get mixed the way they are presently over the Michigan program. A clean diaper is needed.

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By the way! What is printed and signed by Cotter is basically the truth, or it should at least be the truth, especially if you put your name on it. The LaTorre article ? signed M. Cotter.