Steve and Carl, I am glads your coops are running smooth and I hope you if you are on the board you are complying with your fugidity duty to all shareholders. Unfortunatly, most coops are a fraud bigger than ENRON. They advertized a apt home for sale and they sold as a very expensive membership to a club where we are abused, intimidated, victims of usury charges, etc. But the worst is that we have the only that is not protected in bankrutcy court, neither is any institution protecting our home like HAMP protects other people's home. We can be evicted in housing court for not being able to pay the usurary legal and other fees charge by the board. They do not have to give any explanation. They created the law and elected the politicians and judges to protect them not our home. Do not be naive. Check COOPABUSE.COM to read about abuses and lack of laws to protect our home. Register to make changes and to fight together. Email me and I can give you a summary of all the abuses and corruptions and how in American coop home owner are second class citizens. My email is ROSA.NAZAR@GMAIL.COM