i agree if you are trying to take steps to make amends then sbr should be open to consideration and although i don't know you or sbr you do seem sincere about what you are saying. there are so few decent sites to get info about offshore books that even if sbr is right 1/2 the time that's leaps and bounds ahead of just about everything else out there when it comes to watchdog sites. you have to take what you see there in context with whatever other resources that are out there and make a judgement but it is most definitely better to have sbr than to not have it