Joyce,   You hit the nail on the head when you say, " Some companies are struggling with the way this economy is ",  but just ask the bondholders at Govt. Motors and Fiat / Chrysler about

UNDERSTANDING.       I will acknowledge that American Freedom Assurance did

pay you, but will you just try their excuses on your electric company, phone company,

etc., next time you get a bill and see how fast you may get "cut off".  They usually

(unless required by the government) will not let a person "string them along" like

some abstractors seem to be having done to them.