Issac: Excellent work, Nice Design loans direct TFF, I agree with most of what you say, except for the “smart management” part. A market economy is filled with positive feedback loops and self-fulfilling prophecies; when enough large companies believe the economy will be weak and not worthy of investment, then that’s what will happen, because they reduce investment. They are missing an opportunity to grow both the domestic economy and their business, which is why I don’t think they are smart, but just risk-averse members of the corporate sheep herd.