February 21, 2011

The Daily Bankruptcy News

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Law:

Howrey Going To Get Out of Here?
(DBN)

‘Revolution of Rising Expectations’ Has Hurt Howrey, Where $600K PPP Was Once the Norm
(DBN)

Potential Lessons Big Law Can Learn From Howrey
(DBN)

Howrey's Lessons
(DBN)

How BigLaw Dies
(DBN)

Small Firm and Solo Handle Round Table's Bankruptcy
(DBN)

Bonus Watch: Linklaters Links Spring Bonuses to the S&C Scale, Not Cravath’s
(DBN)

Staff Layoff Watch: Schulte Roth Has A Different Kind of Spring Surprise
(DBN)

NY BigLaw Firm's $9 Million Tab Gets Okayed
(DBN)

Cahill Revenue Soars 20% to $323M, PPP Rockets 27% to $3.23M, Both All-Time Records
(DBN)

NY Firm's Profits Per Partner Up More Than 30%
(DBN)

DLA Piper Opens Miami Office
(DBN)

Akerman Thanks Litigation Gods for Chinese Drywall!
(DBN)

With a Ribbon Around It: Winning the Pennant in a 'Pre-Bankruptcy' Case
(DBN)

Take It From a Former In-House Counsel: The Numbers and Metrics That Matter
(DBN)

Astroturfing: A Law Firm Opportunity
(DBN)

The Fall of the Legal Cartels?
(DBN)

Adams and Reese Among Targets of Suits Filed by Stanford Plaintiffs
(DBN)

The Next Big ‘Buzz Words’ in Legal Technology
(DBN)

Pls Hndle Thx: BroTips
(DBN)

In a Field of Reason, Lawyers Woo Luck Too
(DBN)

Would You like Fries with Your Merger Agreement?
(DBN)

Dress Codes: Saving You From Yourself
(DBN)

Should Lawyers Follow Wall Street's Unspoken Rules On Simple Hair & Make Up?
(DBN)

Shingle-Hanging 201: Another Year, Same Approach
(DBN)

Judge fines lawyer over foreclosure advice
(DBN)

Is Groupon Feasible for Lawyers?
(DBN)

Ken Feinberg’s Retracted Affidavit Cited in Appeals Ruling Favoring Fen-Phen Lawyers
(DBN)

In-House Counsel Say One Firm Can Handle Any Curveball ... Which Is It?
(DBN)

GCs: Alternative Billing Is Here to Stay
(DBN)

Outsourcing and the Virtual Law Office
(DBN)

In ‘Reflection of the Job Market,’ Albany Law School to Cut Enrollment By 4%, Budget By 2%
(DBN)

Disbarred Lawyer Allegedly in Court With Client is Jailed; Case is 2nd in 2 Months
(DBN)

Giving Out Trophies to Clients :))
(DBN)

Philadelphia Man Acquitted After Using Hair Defense
(DBN)

Mom Probed After Making Teen Son Stand By Road Wearing Sign About Poor Grades
(DBN)

T. “Scotch” Reynolds: Third Amendment Lawyer :))
(DBN)

Police Tell Female Law Students ‘Don’t Dress Like a Slut’ To Avoid Sexual Assault
(DBN)

Sticking It to the Law Students
(DBN)

Legal Love with Your Subordinate?
(DBN)

Super-sized Supermodel Has Big, Big (Law) Plans
(DBN)

Witchcraft Legal Aid
(DBN)

NJ housewife suing Century 21 for $5M over 80 cents
(DBN)

______________

Judges:

The justices’ partisanship
(DBN)

The Thomas Issue
(DBN)

Does Clarence Thomas's Silence Matter?
(DBN)

U.S. 6th Circuit Court of Appeals on 0-15 losing streak
(DBN)

Senators Introduce Sunshine in the Courtroom Act
(DBN)

Supreme Court seeks 90 more Fla. trial judges
(DBN)

Ciavarella Guilty on Racketeering, Fraud Charges
(DBN)

After NJ Justice Refuses to Rule in Some Divided Cases, Senate Urges His Resignation
(DBN)

Do Judges ♥ Lawyers?
(DBN)

YouTube Video Satirizes Court Tech Project
(DBN)

______________

Litigation:

A Sense of Injustice Can Empower a Jury to Undo a Wrong for Your Client
(DBN)

Google Transforms Jury Selection Process
(DBN)

Scheindlin's 'Day Laborer' Decision: Much Ado About Metadata
(DBN)

Judge Allows Witness to Testify via Skype
(DBN)

Choose or Lose: Don't Leave Designating Deposition Excerpts to Others
(DBN)

______________

Wall Street:

US flash crash panel calls for market overhaul
(DBN)

Wall Street's Buy Everything Mindset
(DBN)

The Revolving Door between DC and Wall Street swings again
(DBN)

How the S&P 500 destroyed $4.5 trillion
(DBN)

Leonardo DiCaprio Will Play A Wall Streeter In Upcoming Scorsese-Directed "Wolf Of Wall Street"
(DBN)

______________

Layoffs:

Mass layoffs bill advances in N.J. legislature
(DBN)

National and State by State Unemployment Rates
(DBN)

Animated Map of Unemployment
(DBN)

______________

Education:

Why Does College Cost So Much?
(DBN)

______________

Health Care:

U.S. Oncology: An Update on Recent Disputes in Make Whole Provisions
(DBN)

The new federalism
(DBN)

______________

Celebs:

Anna Nicole lover weighs legal move on 'trashy' opera
(DBN)

BB King Blues Club in Vegas files for bankruptcy
(DBN)

Roger Clinton, Brother of Bill Clinton, in Big Tax Trouble
(DBN)

______________

Compensation:

Jamie Dimon: Bonus King
(DBN)

Risk Not Being Considered in Wall Street Pay
(DBN)

Krawcheck Slaps Cut-Pay Garden Leave on BofA Advisers After Broker Defects
(DBN)

______________

Museums:

San Francisco's Asian Art Museum debt restructured
(DBN)

______________

Fraud:

UniCredit responds to Madoff trustee's suit
(DBN)

Madoff Investors: Kill Settlement With Fraudster's 'Surrogate Father'
(DBN)

Madoff victims' lawyer asks for reversal
(DBN)

As Mediator in Mets Case, Mario Cuomo Has Practice
(DBN)

Mets’ Owners Guarded an Investment Pipeline
(DBN)

Koufax, a Madoff investor, supports Mets owner
(DBN)

Mets' Teufel Asked To Return Profits From Madoff's Ponzi Scheme
(DBN)

A Plain 'Bernie Madoff'?
(DBN)

Wall Street’s billion-dollar Madoff tax
(DBN)

Madoff Ponzi Schemes: What Do We Want to Know?
(DBN)

Sonja Kohn, Bernie Madoff's Bag Lady
(DBN)

Fugitive Kim used Bernie MO
(DBN)

A Playmate, a Ponzi scheme, jewels and murder
(DBN)

Newark man, others accused of Ponzi scheme
(DBN)

'Ultimate Con Man' Gets 40 Years
(DBN)

Whoops! Did the SEC Drop the Ball in Backdating Fraud Probe of Ex-GC?
(DBN)

Black files new highest court appeal
(DBN)

Allen Stanford Sues Feds, Says It's All Unfair
(DBN)

Joke Over for Comedy Brand?
(DBN)

______________

Corporate Reform:

SEC executive director leaves
(DBN)

Elizabeth Warren hires some bankers
(DBN)

Warren's Wall Street hires shape CFPB's future
(DBN)

Regulator in Chief
(DBN)

Elizabeth Warren's vision: A digitally empowered CFPB
(DBN)

Elizabeth Warren : 'Location, Location, Location'
(DBN)

Consumer Bureau To Occupy Thrift Supervision Complex
(DBN)

Scott Brown's Next Opponent: Best Available Warren?
(DBN)

Warren is a warrior
(DBN)

Republicans warn against rolling out Dodd-Frank in haste
(DBN)

Bigger Budgets For US Regulators Means More Hiring Opportunities For US Bankers
(DBN)

______________

Borders:

Bankrupt Borders hires firm to dispose of 200 stores
(DBN)

Borders decline means big changes for industry
(DBN)

Borders must change business model if it is to survive bankruptcy
(DBN)

Borders bankruptcy spells problems for Washington area businesses
(DBN)

Borders begins store closing sales
(DBN)

Requiem for a Borders Bookstore
(DBN)

Borders: Was Bigger Better?
(DBN)

Bankruptcy Of Borders Proves Flooding The Market With Books Doesn't Work
(DBN)

Book sellers adjusting to Internet era
(DBN)

Borders's Fall From Grace
(DBN)

Struggling book industry only has itself to blame
(DBN)

______________

Aviation:

PC Capital Agrees to Buy Mexicana, Bringing Airline Closer to Flying Again
(DBN)

______________

Retailing:

Mall purchased for $12.2 million
(DBN)

Maui shopping center confronts foreclosure
(DBN)

______________

Economy:

Home Sales Probably Fell, Goods Orders Rose as Factories Head U.S. Economy
(DBN)

Bernanke worries about cash bubble
(DBN)

Justice Dept. Opposes High-Court Appeal in Fed Disclosure Case
(DBN)

Bernanke Defends Fed's Policies
(DBN)

Don’t Blame Easy Money for Capital Swings, Bernanke Says
(DBN)

G20: Geithner Criticizes China
(DBN)

Geithner Offers Neighborly Advice In Paris
(DBN)

Deficit Could Reshape Retirement
(DBN)

Is Inflation Really Just 1.6%
(DBN)

Buffett Says Pricing Power Beats Good Management
(DBN)

John Paulson Goes Mano-A-Mano With Alan Greenspan
(DBN)

The Big Short Meets the Maestro
(DBN)

America's Economic Dream a Nightmare
(DBN)

How the Fed Prints Money without Ink
(DBN)

It’s Time For The Fed To Declare Victory And Go Home
(DBN)

Silver Hits Highest Level in 31 Years
(DBN)

Here Comes $4 Gas
(DBN)

Social Security Admin warns workers of cuts
(DBN)

Creating Value
(DBN)

Realism on Defense Spending - More on Defense
(DBN)

House Votes to Cut $60 Billion, Setting Up Budget Clash
(DBN)

In The Middle Of The Night, The GOP Passes An Austerity Budget That's A Total Joke
(DBN)

Government shutdown is likely, Pelosi aide says
(DBN)

Memories of 1995 Haunt GOP as Shutdown Talk Grows
(DBN)

Jeff Gundlach: The Muni Market Will Crash, House Prices Will Fall 10-15%, And The S&P Is Going To 500
(DBN)

Corporate America's Economic Outlook
(DBN)

George Soros: Obama "Has Lost Control" Of America's Economic Agenda
(DBN)

G-20 Overcomes China Opposition to Agree on Yardsticks to Gauge Imbalances
(DBN)

Economic Stress Map
(DBN)

Economy Tracker Map
(DBN)

US Debt Clock
(DBN)

Bailout Recipients
(DBN)

______________

Real Estate:

Geithner Called Housing Giants Biggest 'Moral Hazard'
(DBN)

Critics say MERS foreclosure halt shows broken business model
(DBN)

Maine court rules for GMAC in robo-signing case
(DBN)

Mortgage mayhem generates work
(DBN)

Fort Myers attorney indicted in mortgage fraud scheme
(DBN)

Lawyer Held in Contempt for Advising Clients to Reclaim Foreclosed Home
(DBN)

Homeowner fights back against big bank
(DBN)

Forensic Accounting And Valuation Litigation: Finding Out Who Really Holds The Note
(DBN)

Homeownership loses its luster
(DBN)

The Whistle Blower Than Beat Countrywide
(DBN)

U.S. Said to End Criminal Investigation of Mozilo
(DBN)

The Truth About Housing Prices
(DBN)

Lennar Bets on Ex-Officer Housing 'Party' as California Rebounds
(DBN)

BarCap claims strategic default is overestimated
(DBN)

The curse of negative home equity
(DBN)

RE/MAX: US home sales returned to positive territory in January
(DBN)

January delinquencies decline over year-ago period: LPS
(DBN)

Feds step up bank probes on foreclosure
(DBN)

Most Robo-Foreclosures Legit: OCC
(DBN)

New Jersey Foreclosures Expected to Rise 20 Percent in 2011
(DBN)

Lenders Assail NJ's Threats To Halt Foreclosures
(DBN)

6 of the biggest mortgage lenders say NJ high court overstepped its boundaries
(DBN)

Kane County uses stimulus money to fix 'worst of the worst'
(DBN)

Mobile named foreclosure hotspot
(DBN)

Silicon Valley house prices edge higher; 'distress sales' dominate
(DBN)

In Fla., It's A Great Time For Canadian Homebuyers
(DBN)

All Real Estate is Local? Think Again
(DBN)

Homeowner associations step up foreclosure filings
(DBN)

Exhibit eyes foreclosure crisis
(DBN)

Robo-signing foreclosures put scrutiny on notaries
(DBN)

Mortgage Servicers May Face Sanctions, New Rules, Regulator Says
(DBN)

Stumpf's Office Calls Homeowner Who Foreclosed on Bank
(DBN)

CRE Loan Modifications Make Sense; Residential Loan Mods Don't
(DBN)

Move Over, New York: Rio’s Office Market Now Pricier
(DBN)

US Housing Starts Rise More Than Forecast on Multifamily Jump
(DBN)

Property Prices Perk Up in February
(DBN)

Changes at Fannie Mae, Freddie Mac could transform mortgage landscape
(DBN)

Bank of America takes over Renaissance on the River in Fort Pierce
(DBN)

LA: Developer gives up claims to condo project stalled by bank failure
(DBN)

Foreclosure surge left one fund flush
(DBN)

Allstate Sues Citigroup, Deutsche Bank Over Mortgage-Backed Securities
(DBN)

_____________

Municipalities:

Trouble, Scope, Apostrophes, and State Bankruptcy
(DBN)

The world wonders: Can states go bankrupt?
(DBN)

Union Fight Heats Up
(DBN)

GOP Challenging Unions in State Capitols
(DBN)

What Do Public Employees Really Earn?
(DBN)

Wisconsin: Why Week of Rage Matters to America
(DBN)

How Wisconsin Got Here
(DBN)

Factbox: Details of Wisconsin proposal on public unions
(DBN)

Protestors Take State Capitol in Wisconsin
(DBN)

WI Dem Goes on TV from 'Undisclosed Location'
(DBN)

Wisconsin: Tea Party Takes on Union Protesters
(DBN)

The Republican Strategy
(DBN)

Firefighters! Bagpipes! Unions!
(DBN)

Do Americans Agree with Tea Party on Unions?
(DBN)

Wis. governor: GOP won't be 'bullied' by union bill protesters
(DBN)

Opposing sides meet as Capitol protests enter sixth day
(DBN)

Protests Fail to Sway Wisconsin Governor
(DBN)

Moderate Republicans Offer Deal in Wisconsin
(DBN)

For Compromise in Wis., 3 GOP Senators Are Needed
(DBN)

At Stake In Wisconsin - The Future Of Unions In America
(DBN)

Wisconsin Union Battle: A Convenient Distraction From the Real Culprit in State Budget Woes
(DBN)

Obama joins Wisconsin's budget battle, opposing Republican anti-union bill
(DBN)

Republicans vow to cut spending in state capitols
(DBN)

Protests Spread to Ohio
(DBN)

Idaho official target of threats over education reform plan
(DBN)

Could Minnesota See Similar Union Fights As Wisconsin?
(DBN)

States ignored warnings on unemployment insurance
(DBN)

Second Injury Fund suffers what could be fatal wound
(DBN)

Fate of some communities may be in the hands of emergency financial managers
(DBN)

New Jersey towns need to come together to survive
(DBN)

Cincinnati pension crisis at 'turning point'
(DBN)

Nassau Gets Court Reprieve
(DBN)

Michigan cities' future: Doing less with less
(DBN)

Michigan orders DPS to make huge cuts
(DBN)

LePage refuses to name 'ready-to-default' towns
(DBN)

Bail eased for ex-mayor of scandal-ridden CA city
(DBN)

______________

Symphonies:

Musicians reject Detroit Symphony's contract offer
(DBN)

______________

Accounting:

External Recruiter Posing as PwC Staff Is ‘Very Convincing,’ Well Versed in Firm Jargon
(DBN)

______________

Autos:

Auto union must look out for companies, too
(DBN)

______________

Credit Cards:

CARD Act of 2009 to be Addressed at Conference
(DBN)

______________

Corporate Governance:

Delaware Chancery Ruling: Power to Defeat Inadequate Hostile Tender Offer Ultimately Lies with Board of Directors
(DBN)

The Current Talk of Wall Street: Laster’s Del Monte Opinion
(DBN)

______________

Baseball:

How FOX Fought the Airwaves Battle When the Rangers Hit the Skids
(DBN)

______________

Tax:

An IRS agent walks into a CFO’s office…
(DBN)

IRS Raises Interest Rate On Underpayments
(DBN)

______________

Ethanol:

Green Plains to acquire Otter Tail Ag Enterprises
(DBN)

______________

Pensions:

PBGC To Assume Relizon Pension Fund
(DBN)

______________

Video Rentals:

Blockbuster faces possible evictions as woes mount
(DBN)

______________

Personal Finance:

Bankruptcy and possible foreclosure didn't stop couple's spending
(DBN)

______________

New Bankruptcy Opinions
(1 new opinion today)

Bankruptcy Court Web/Pacer Site Directory

Chapter 7, 12 & 13 Private Trustee Locator
(DBN)

Recent Ch. 11 Filings
(DBN)

Bankruptcy Code - Prior BK Codes - Bankruptcy Rules
(large downloads)

Bankruptcy Jobs:

(1)- (2)- (3)- (4)- (5)- (6)- (7)- (8)- (9)- (10)
(DBN)

Seminars - (Contact us to list your seminar)

______________

Insurance:

Ambac Gets Four-Month Extension as Judge Calls Disputes `Ugly'
(DBN)

______________

Miscellaneous:

Blockbuster, Borders, Nebraska Book: Bankruptcy
(DBN)

______________

Bankruptcy Statistics:

Small Business Bankruptcies Fall 18%
(DBN)

Interactive Bankruptcy Statistics Map
(DBN)

______________

Mass Torts:

'There is no Interim Payment Program,' Louisiana Says in Knock to Feinberg's Process
(DBN)

BP Says Feinberg Fund Far Exceeds Law Requiring Spill Payments for Victims
(DBN)

Scientist finds Gulf bottom still oily, dead
(DBN)

Merck Vioxx Accord Spawns Pay-Day Scrap Among Lawyers
(DBN)

______________

Banking:

Extra Requirements Seen for Big Banks at End of 2012
(DBN)

Swiss banks have to come clean
(DBN)

Report: FDIC plans to sue former WaMu execs for over $1 Billion
(DBN)

Bad Central Bankers
(DBN)

Moody's plans downgrades for big banks
(DBN)

______________

Food/Drink:

H&H Bagels Owner Bakes Up Bankruptcy Filing
(DBN)

Food Company That Touted Healthy Options Enters Chapter 11
(DBN)

Giordano's Deep in Debt
(DBN)

A Steady Decline in the Number of Restaurants
(DBN)

______________

Lehman:

Lehman Pushed 'Goat Poo' Securities, J.P. Morgan Says
(DBN)

What Did Ernst & Young Call Lehman’s ‘Goat Poo’ Assets?
(DBN)

ISDA Master Agreement: High Court Interprets Section 2(a)(iii)
(DBN)

______________

Sovereigns:

Al-Zayat Takes $8 Billion German Bond Claim to U.S. High Court
(DBN)

China Flexes Muscles With USA As Biggest Creditor
(DBN)

______________

UK:

Businesses 'are showing signs of distress'
(DBN)

MCR administrators sell Ollie & Nic in pre-pack
(DBN)

When Trade Finance Meets Insolvency
(DBN)

Now we know for sure where we are with TUPE and pre-packs
(DBN)

Appointment of Administrators - 18 February 2011
(DBN)

Winding Up Petitions - 18 February 2011
(DBN)

Freshfields wins court victory for RBS against Liverpool FC's former owners
(DBN)

Energem goes into bankruptcy without telling shareholders
(DBN)

JJB Sports Raises £31.5 Million to Keep Going
(DBN)

______________

EU:

Key Euribor rates inch up after interest rate warning
(DBN)

Europe Services, Manufacturing Expand at Fastest Pace in More Than 4 Years
(DBN)

Mystery Surrounds Elevated Borrowing From European Central Bank
(DBN)

Warning over discriminatory EU ‘bail-in’ plans
(DBN)

Trichet Declines to Comment on Report Irish Bank Borrowing Raised Costs
(DBN)

High ECB overnight loan levels tied to Ireland
(DBN)

Bad News For The PIIGS: Angela Merkel's Party Gets Crushed In Regional Elections
(DBN)

______________

Canada:

Ipico seeks restructuring, loan facility from Brookfield
(DBN)

CBC: Disabled Nortel workers seek $80M relief fund
(DBN)

______________

France:

French Pharmacies Face Bankruptcy Risk
(DBN)

______________

Germany:

German Business Confidence Unexpectedly Rises to Record
(DBN)

Kirch Fight With Deutsche Bank Is Battle of 'Yesterday's Men'
(DBN)

______________

Spain:

Spain Gives Savings Banks Six More Months to List Equity
(DBN)

Thousands fear for savings in Spanish financial scandal
(DBN)

Spain Unbowed on Cajas
(DBN)

Spain Rules on Capital to Provide Boon for IPO Bankers, Lawyers
(DBN)

______________

Portugal:

Portugal Has Not Requested Aid-German Minister
(DBN)

______________

Ireland:

Ireland turns to bankruptcy tourism
(DBN)

Figures For Mortgage Defaults Double
(DBN)

History-making Irish vote shot through with anger
(DBN)

______________

Greece:

Greece’s Efforts to Limit Tax Evasion Have Little Success
(DBN)

______________

Middle East:

Crude Oil Rises as Spreading Unrest in Middle East Prompts Supply Concern
(DBN)

Egypt's Top Tycoon Fears Descent Into Anarchy
(DBN)

Revolution Will Not Cure Egypt's Poverty
(DBN)

Prosecutor General freezes assets
(DBN)

150 Shot Dead in Cairo Jail Massacre
(DBN)

Violence marks 'Friday of Rage' across Yemen
(DBN)

Bloodshed in Libya, Possible Talks in Bahrain
(DBN)

Bahrain: This is War
(DBN)

How A Bahraini Revolution Could Trigger A Brand New Financial Crisis
(DBN)

US Had Rosy View Before Bahrain Crackdown
(DBN)

Protests Swell at Bahrain Funerals
(DBN)

Al-Arabiya Cites Unconfirmed Reports Of A Coup In Libya
(DBN)

Gadhafi's son warns of civil war in Libya
(DBN)

BP Prepares to Evacuate Staff From Libya
(DBN)

Oil Majors Stall Libya Drilling, Withdraw Staff
(DBN)

The Libyan Central Government Building Is On Fire, And Oil And Silver Are Surging
(DBN)

Gaddafi's Son Gives Desperate, Rambling Speech To Prevent A Revolution
(DBN)

Moroccan protesters call for curbs on king's powers
(DBN)

Riot police crack down in Algiers
(DBN)

Arab capitals braced for violence as unrest spreads
(DBN)

Saudi Arabia Faces Shi'ite Unrest in Oil Region
(DBN)

Dubai Shares Drop as Mideast Unrest Sparks Risk Aversion; Emaar, Zain Fall
(DBN)

US Treasuries Rise as Tension in Mideast Boosts Demand for the Safest Assets
(DBN)

______________

China:

Hundreds gather in Beijing, Shanghai
(DBN)

Internet postings call for protests in 13 cities
(DBN)

China Blocks Coverage of Protests to Squelch Egypt-Style Revolt
(DBN)

Top activists disappear
(DBN)

China May Force Banks to Plan in Case of Financial Crisis
(DBN)

The Truth About Inequality In China
(DBN)

______________

South Korea:

Fears of a Run on South Korean Banks
(DBN)

Government To Ease Limits On Mortgages
(DBN)

______________

Japan:

Japan Government Upgrades Econ View on Signs Lull Is Over
(DBN)

______________

Australia:

Ron Medich a big loser in Adam Tilley's insolvency arrangement
(DBN)

______________

New Zealand:

Pike River Payment Uncertain
(DBN)

Whitcoulls Administrators Prepare For Creditors Meeting
(DBN)

______________

Czech Republic:

Constitutional court adds to debate on lender's position in insolvency proceedings
(DBN)

______________

Iceland:

Banks just too big to fail? Iceland shows otherwise
(DBN)

Iceland's President Vetoes Icesave Repayment
(DBN)

Iceland to Hold Referendum on Law to Repay $5 Billion U.K., Dutch Deposits
(DBN)

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The Daily Bankruptcy News is published each business day by BKINFORMATION.COM, L.L.C.  You can reach us at 281-402-3957 or at accounting@bkinformation.com (email inquiries are usually answered substantially more quickly than phone inquiries).

 

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