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Thanks Chris - I assume you are speaking about credit risk on the thirty day deal when you refer to the $2M exposure on $100 - has Tim spoken to John about this? I am supportive of this proposal and approach. Like our discussion, we have to find a way to be supportive to the re-development of this market without creating un-acceptable credit or market losses. We also have to support Lay's efforts in California. Regards

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Freeman and CDWR