I'm not getting any reactions that I didn't expect here. I'm certainly not trying to be rude, just trying to say that I have already been challenged. I don't need to be challenged by you also. However, if that's your preference then I'll gladly endure it to get the information that I need. These are important questions to me.
And if you expected this, why then post it? If indeed you have a claim, then apply. It's as simple as that.
My prediction: in about 4 more pages of this the thread will have degenerated into a flame war and nastiness will ensue.
I urge you to reconsider the tact you are taking not because I want to start any fight with yuo, or that I think any less of you, merely that if you have a claim and have questions, applying to Kramer is the fastest and easiest way for you to resolve this.