A decision cannot be made without the t/a in hand or on-screen per se! Surely they have some of the language worked out, if so where is it? It is kind of like going to vote for President for just a name, then finding out their platforms and party affiliation afterwards! I agree bankruptcy id probablu worse but I will not vote blindly. I cannot go to the meeting tomorrow, so I will watch the webcast, but I would like a copy of the T/A to reference to!