Hi Opus, I'm glad to see you back. I don't have anything new to report regarding my situation, but I want to comment again about Gang3's case. Just when I think I have it bad, I read something like that and it makes me sick. That poor man has been sucked into HSBC's predatory vacuum and is going to lose it all. How can stuff like that happen in our country? By the way, I've only received one call from HSBC so far about my payment being late. He called me at work, and I told him to call me at home. He hasn't called back - YET.