a friend of the bureau.

They were lengthy and they were incomplete and they weren't useful because they were very difficult to decipher as to what information they were trying to provide.

We really needed this new school building. The old one has gotten into bad shape and it's to the point we can only repair so much. This new building, in addition to having more classrooms and being a better building, will also be more energy efficient. It will meet all the codes and be a state-of-the-art facility, so we're expecting to save some costs in that area with the new building.

Your lack of effectiveness, and poor decision making has only led me to conclude that it is now time to move the investment operations at BWC in a new direction with new leadership.

After a thorough evaluation of the investment department's operation under your direction, including the findings of the Management Review Team, your leadership of the investment department does not meet my expectations,

Home ownership was the fig leaf for the rise in subprime lending. But that was really about cash-out refinancings, not buying homes.