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Tonight we have Attorney Stephen P Wright from Connecticut with us because he and I have been having some conversations about the real issues that the banks keep sweeping under the rug. He has a very impressive resume.  Stephen went to Trumball High School, Florida State University and Western New England College of Law where he graduated in 1980. So we are not talking about a new comer in the practice of law we are talking about a litigator with experience. He is a lecturer in the Commercial Law League of America, a former faculty member of the College of the State Bar in Texas, and a current member of the Connecticut Bar and previous member of the Texas Bar. He has lectured and written on workouts, collection of judgments, debtor/creditor relations, the UCC, and bankruptcy.