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Rick and Ted, It looks more like foxes building chicken houses as opposed to foxes guarding chicken houses. I shall send a message to Bryan saying that the Research has to look under the hood and examine the mechanics of the model in order to sign off on it. A dog and pony show is not sufficient. In any case, the decision to approve the model should not be left to Ben and Kirstee. Please, let me know what your thinking is. Vince

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VaR for EnronCredit.com