SOME THOUGHTS BY TERRI SALVATORE

Strategy. Integrity. Heart.

These are three words that come to mind when describing ICOA.

Strategy
Mike explains each opportunity from a strategic perspective, with a broad view of how current events tie in with the attraction of a potential investment.

Integrity
The club is honest and transparent with respect to the structuring of each investment.

Heart
ICOA makes sure that people come first. This is not only true for me as an investor, but also for peripheral players involved in any of the transactions. Everyone is treated with dignity.

Having been a member for over a year now, it has been an invigorating experience on many levels:
The pre-meeting discussions with other members are always lively and engaging, and the guest speakers are very educational. Mike always delivers valuable and timely information on a broad range of topics. The discernment of his choices is made after lengthy research. He provides great detail in his reasoning as to why any particular investment will be a good pick.

I am very pleased with how I am taken care of through the process of each offering. Mike has gone beyond my expectations regarding his attention and consideration to each member’s satisfaction. And, above all, the meetings are fun! I never miss an ICOA gathering because I always come away inspired.

A note from Club President, Mike Lathigee

I am closely monitoring the property developer crisis in China. The big question for all of us is – will it implode and cause another financial crisis similar to what we saw in 2008.
I don’t think so, because American banks
do not have exposure to Chinese banks. 


The very interesting thing is this is a deliberate act by Chinese regulators to cut down on property speculation in China. They don’t want their citizens speculating and the Shadow banking market has now been closed as a financing outlet for these
over leveraged developers. 

It is just not Evergrande – it is almost all of the large developers in China. The greatest Ponzi scheme of the last few decades has been reflected in developers and their pre-sale of units before they build those units. Many times these funds have been used
on other projects and not for the project
the investor made the deposit on. 
I think this way of doing business will change,
especially in countries with few regulations. 


The much bigger crisis that will blow up and end the asset bubble in America will be under reported inflation by the Federal Reserve. Are they lying to us / or are they lying to us? – They are lying to us – in that inflation is calculated in such a way that the numbers are much lower than they should be.

The bottom line is that inflation is hugely under reported and the Fed will have no option but to raise interest rates.  These are the two major issues that I see right now. 
Please govern your portfolio accordingly.

Freedom Fest 2021

Members!

Our club follows a Libertarian Philosophy.  Mark Skousen is a member of our investment club and on Wikipedia is recognized as one of top living economists today.   He has written dozens of books and is internationally sought after for his leadership in Economics and Libertarianism.

This is my favorite conference and in fact in my opinion the best conference on the planet.   We send this out to invite those who were unable to attend in person to register virtually.   The club nor any affiliate does not receive any compensation for your enrollment but do this as our believe in this very important conference and support it in any way we are able.

Will You Join Us Virtually?

Great News! Our partners at C-Suite Network have arranged to provide a dynamic livestream experience for those who cannot attend FreedomFest 2021 in person. While there’s nothing like the in-person experience of FreedomFest, we are excited about to provide a virtual experience that will include everything from the FreedomFest Main Stage 1 in the Barnett Arena, including keynote speakers Gov Kristi Noem, Jeffrey Hayzlett, JP Sears, Dave Rubin, Tom Woods, Jo Jorgensen, Sen Mike Lee, Mark Mecker, Spike Cohen, James O’Keefe, Naomi Wolf, Larry Elder and Ayaan Hirsi Ali, and many more, with the mock trial on the pandemic response and emcee Dave Smith. Plus, the special livestream host will conduct special “behind-the-scenes” interviews with select speakers as they come off stage – hear directly from these pivotal voices, and even ask your questions! 

If you can’t make it to FreedomFest in person this year, you will have the opportunity to participate and be part of this one-of-a-kind event – VIRTUALLY!

Register Now with Code: FF2021

We are thrilled to partner with C-Suite Network to bring you the best and the brightest thought influencers from around the world straight to the comfort of your office or home. C-Suite Network™ is the world’s most trusted network of C-Suite Leaders, with a focus on providing growth, development and networking opportunities for business executives. The virtual experience of FreedomFest will not only allow you to hear from the speakers on Main Stage but also provide networking with other virtual attendees. Virtual attendees can hear exclusive interviews with the speakers as they come off the stage. You may even get your questions answered with the speakers! Register today, as the price for your FreedomFest virtual ticket increases on Sunday, July 18th. Use the code FF2021 to receive your ticket for only $99, instead of the regular $125 price! This pass is valid for the duration of FreedomFest, July 21st – 24th, and gives you access to:·       World-renowned speakers streamed from FreedomFest Main Stage 1·       Three days of content from the “world’s largest gathering of free minds”
·       Behind-the-scenes interviews with select speakers (and even the opportunity to get your questions asked)
·       Opportunity to network with like-minded peersSee the full list of Main Stage speakers and sessions that will be featured on the virtual event here. Get registered today!  We can’t wait to see you, virtually! Use code FF2021 to receive the $99 price!  
We are thrilled to partner with C-Suite Network to bring you the best and the brightest thought influencers from around the world straight to the comfort of your office or home. C-Suite Network™ is the world’s most trusted network of C-Suite Leaders, with a focus on providing growth, development and networking opportunities for business executives. The virtual experience of FreedomFest will not only allow you to hear from the speakers on Main Stage but also provide networking with other virtual attendees. Virtual attendees can hear exclusive interviews with the speakers as they come off the stage. You may even get your questions answered with the speakers! Register today, as the price for your FreedomFest virtual ticket increases on Sunday, July 18th. Use the code FF2021 to receive your ticket for only $99, instead of the regular $125 price! This pass is valid for the duration of FreedomFest, July 21st – 24th, and gives you access to:·       World-renowned speakers streamed from FreedomFest Main Stage 1·       Three days of content from the “world’s largest gathering of free minds”
·       Behind-the-scenes interviews with select speakers (and even the opportunity to get your questions asked)
·       Opportunity to network with like-minded peersSee the full list of Main Stage speakers and sessions that will be featured on the virtual event here. Get registered today!  We can’t wait to see you, virtually! Use code FF2021 to receive the $99 price!

BONEHEAD BIDEN RANT

Bonehead Biden’s spending is completely out of control.   It is easy to make people happy when you spend money, but he is spending money we don’t have.  Imagine a CEO spending far more money than his/her company makes.  He/she would be out of business and/or thrown out as incompetent.   But not Bonehead Biden.   We are stuck with this fiscal fool for almost 4 more years while he runs our country’s deficit to levels never seen in history.   

Except for gold, crypto, silver and investing in commodities – Run for the hills!  Inflation is coming and may possibly rival what we saw under the Carter Administration.   With many people still collecting more on unemployment than if they worked we are creating a system of entitlement without work effort.   This is underscored by the fact that in a recent survey over fifty percent of young people under 30 supported Bernie Sanders and thought Socialism was a good thing.    

The American Dream is Dying!  The idea of working hard and “getting ahead’ by the creation of economic prosperity and jobs is being eroded by a culture of ‘if he/she owns more than I do – then I want what is his/hers’. American Culture became great and the strongest economic power on the planet based on a concept of Individualism – not Collectivism.    Biden wants to spend us into oblivion.    He is spending money on everything on his “wish list” and we don’t have the tax dollars to do it – all the while with Creepy Kamala at his side at every step.  

When Biden said, ‘I will appoint a woman for VP’ It was another one of his bonehead moves.  Pick the best person whether, white, black, yellow, red, pink or purple.    What happened there was Affirmative Action Prejudice.   

Joe Biden said he represents all Americans.  
Well if that is the case then our country is lead by someone who will drag those of us who have achieved something down along with our country to ruin and a disgrace

Watch this short video: 
https://vimeo.com/559667517/7a43642ce7

If you agree with the message please share with others.

Vancouver Sun Reporter writes False and Misleading information about Mike Lathigee

Please see the complete email thread with Vancouver Reporter, Gordon Hoekstra. He has written the same story four times and refused to print a retraction on his inaccurate reporting

—–Original Message—–

From: Chairman@highmarklv.com <Chairman@highmarklv.com>

Sent: Wednesday, March 24, 2021 4:26 PM

To: ‘Hoekstra, Gordon’ <GHoekstra@postmedia.com>

Cc: kderosa@postmedia.com; info@vancouversun.com; mrobinson@postmedia.com;

lculbert@postmedia.com; sbrown@postmedia.com

Subject: RE: Vancouver Sun: Question – what next – after rehearing denied

Gordon,

I am disappointed but not surprised that you would not answer any of my

questions below.  I took more than one hour to write you an update and as a

courtesy asked that you respond to my valid questions which you have

ignored. I guess all I can do is post this email thread to my blog as a

public record.

Anyway at this point the bar is very low on any expectations of fair

reporting given the damage your reporting has caused in the past with

information that was incorrect.   Again as an example,  your article on my

home was factually incorrect but you refuse to print a retraction?  Typical

Vancouver Sun.

Not sure how Award Winning Journalist is chosen but I would think one

parameter would be truth in reporting or when a mistake is written that a

retraction is printed but I guess it is a case to continue to “bulldoze” if

it helps your story. 

“It is about creating a story with relevance that gives me attention and I

win awards for my reporting not the collateral damage through inaccurate

reporting and being part of the continued false PR campaign”.  GH

—–Original Message—–

From: Hoekstra, Gordon <GHoekstra@postmedia.com>

Sent: Wednesday, March 24, 2021 3:14 PM

To: Chairman@highmarklv.com

Subject: Re: Vancouver Sun: Question – what next – after rehearing denied

Importance: High

Hello Mike,

Thanks for this.

Just FYI ― It does not look like this will go overnight. Probably next day.

Regards,

Gordon

GORDON HOEKSTRA

REPORTER

Vancouver Sun

T: 604.605.2132

C: 604.329.2381

#400 ­ 2985 Virtual Way

Vancouver, BC V5M 4X7

ghoekstra@postmedia.com <mailto:atanner@postmedia.com>

 <http://www.postmediaadvertising.com/>

—–Original Message—–

From: Chairman@highmarklv.com <Chairman@highmarklv.com>

Sent: Wednesday, March 24, 2021 12:44 PM

To: ‘Hoekstra, Gordon’ <GHoekstra@postmedia.com>

Cc: kderosa@postmedia.com; info@vancouversun.com; mrobinson@postmedia.com;

lculbert@postmedia.com; sbrown@postmedia.com

Subject: Vancouver Sun: Question – what next – after rehearing denied

Importance: High

Gordon,

I have a very full day and writing this on the fly because if I don’t

respond you will write what you will write and  again it could be misleading

at best and false at worse which has happened in the past.   Please ignore

any syntax errors but this is being done on the fly.  When are you

publishing the latest article about me?

I am a little hesitant to interact but if I don’t interact you

seem to print misleading information.   Your article several months ago that

implied that I somehow used investor money from Canada to buy a house in

the United States was false.  The BCSC even wrote similar statements in

several court filings that was also untrue including the petition for

rehearing response  that implied I left with 21.7 million dollars that

essentially I

had stolen.  Completely false and they know it!!!   I have learned  the more

mud you can throw at someone in a court filing to make someone look bad the

better it is as part of  a strategy even if the info is not true.  It seems

I am an easy target and they have successfully labelled me as such and

successfully shut me down from making a living which does not allow me to

pay back the former investors from FIC.  Obviously a quick google search of

me and you can understand why it is impossible to do business or have a

banking relationship.  It does not matter that much that is reported is

false but the end result is even if I want to make payments all the attacks

have hampered any ability to try and recover and do such.

Remember the BCSC came to my house with a seizure on the day of my mother’s

funeral and knew it was the day of my mother’s funeral and seized all items

in my house.   I was to deliver a eulogy and they were informed what was

happening but I guess it was a good time to “attack”.   I was working to

provide the BCSC with all the documents for a debtors exam that I had to

provide but obviously I could not provide that as everything was taken from

my house.  When the BCSC lawyer was called by the Sherriff at the house and

asked if I could use my phone to deliver the scheduled Eulogy for my mother

that request was denied by the BCSC lawyer in Las Vegas.   They could have

done the seizure another day but I guess it was more about attacking and

providing as much pain as possible!!!   I am in no way implying “poor me”

but informing you of the tactics employed by the BCSC.   Are you aware there

is a lawsuit right now ongoing for 56 gold coins taken from my safe during

the day of the seizure  that did not show up on the list of items seized.

I suggest you read the many court filings so you know what is happening in

this case. 

None of this is interesting to you as it does not demonize me and help your

story of calling me a fraudster over and over and rehashing the same story.

You might be an award winning journalist but it seems full disclosure and

telling both sides of the story only happens when it is for your benefit.

 In fact, one of the BCSC  expert witnesses, a lawyer named Mr Johnson,

admitted I had no personal gain and wrote such in a court filing but again

this is something you and the BCSC have ignored and continued to write in

several court filings after his statement that I had huge personal benefit

and equally implied I took money.  COMPLETELY FALSE!!!  

I was able to totally prove the BCSC recent allegation about the house your

wrote about in a court filing false by providing sworn affidavits from

persons I borrowed money from when I arrived in America to buy the house

and they were fully

repaid with a return.    Thank god during the day of the seizure they left

behind accidentally one small box with the bank records and proof showing

none of the money came from FIC.   I am happy to provide such information to

you with the court filing  if requested but I know you are more interested

to print the story and make me look bad than gather information that

somehow shed positive light on me. 

The BCSC was only too happy to support your false allegations in the public

relations game against me  that seems to be being played that you have

decided to make myself the poster child of the story

you broke a few years ago.    I guess you don’t care about the unintended

consequence of your reporting and whatever I explain to you like in the

last conversation you ignore information that I provided again to make the

story and message whatever it is you wish to convey.  Also for the record

David Baines wrote this story originally and you rewrote it a few years

later but when it got attention you became relevant as an Aware Winning

Reporter again. 

At the time I ran FIC I was paid a very low salary compared to other CEOs

with similar sized companies and all my wealth was in the company through

options that when the company became insolvent during the subprime mortgage

crisis.  In fact all payments were current to TD Bank which provided

financing on the real estate development project you have been writing

about when the loan was called and it was a unilateral decision by TD Bank

to call all Edmonton land loans and simultaneously cancelled all financing

on lots sold to builders which there was millions in booked profits but

with financing gone that evaporated.  I called Finance Minister Flaherty at

that time and spoke to him and he said he would get back to me and he did

not.

Below is the video that I published on youtube on what really happened and

the collapsed of my company was completely unnecessary and it taught me a

lesson never to have just one banking relationship.  TD Bank unnecessarily

called the loan and cancelled financing on building lots sold and

essentially forced a company out of business when it was completely

unnecessary and the investors were wiped out along with myself.

Michael Lathigee Writes Letter of Complaint to TD Bank …

https://www.youtube.com/watch?v=a4Yy_XUrIus

Jul 02, 2013 · Michael Lathigee writes: This letter details the

irresponsible and unethical actions by TD Canada Trust in its handling of

the repayment of its loan to Genes

By the way there was several large deals that went very well prior to this

including investing in uranium stocks when it was under $10 a pound and

eventually rose to over $100 a pound.   Millions were made by my investors.

But these similar successes of course were ignored as they were not

newsworthy.  Similarly, countless investors cashed out of previous

investments with strong gains but again this is not newsworthy as calling

someone a fraudster sells more papers.

Your associate David Baines even states the money was lost and not taken

but again this does not seem to fit your sensationalism to villainize me.

I was the main decision maker and no one else.  It is unfortunate that

anyone else was dragged into this and the sole responsibility was mine and

should have been borne only by me.

It seems you have made me the poster child for your story of BCSC penalties

not being collected.  The vast majority of the people you write about did

in fact “steal” money but when my company collapsed I lost more than any

other investor and was financially wiped out.  Here is fact is what your

former associate David Baines wrote, may 21, 2018.  Called: David Baines:

Regulators unfairly criticized for anemic securities enforcement.  Below is

part of what he wrote and at least his reporting was accurate on what

really happened to the money but in your case it sells more newspapers to

say I stole the money.  FALSE!!!

“Which brings us to the main reason why the collection record is so poor:

most of the fines are purely notional in nature.

Consider the case of the Freedom Investment Club, which the Sun cited as an

example of poor fine collection.. A BCSC hearing panel found the two

principals, Michael Lathigee and Earl Pasquill, took $21.7 million of

investors’ money and invested it in Alberta real estate projects without

mentioning that the projects had severe cash flow problems.

……. That money was not spirited away into some offshore account. It was

invested and lost. It no longer exists.

Then the panel fined them an additional $15 million each, which, again, is

money that never existed in the first place. So the grand total of $51.7

million consists of money that no longer exists or never existed in the

first place. In fact, the vast majority of unpaid fines (by dollar value)

fall into this category. Is there any wonder these fines remain unpaid?

Both papers noted that regulators routinely issue news releases announcing

huge fines without mentioning that the likelihood of collection is often

slim to none. The suggestion here is that regulators are more interested in

sensational headlines than actual collections.

While it’s true that these releases make good headlines, it’s not fair to

blame the regulators. No commission is going to say, “We have fined Mr.

Smith $10 million, but we don’t expect him to pay.” The official position

must always be that he is expected to pay.”

It seems that by not providing all the facts it sensationalizes your story.

I am sure you are not aware of the unintended consequences of your

reporting nor do I think that you care.

I am sure that when I answer the question below you will again write

another story that reads “Fraudster appeals decision all  the way to the US

Supreme Court.”.  There are many moving parts right now and I am doing my

best to communicate with you but there are reasons I cannot answer your

question directly for at least another month but it is safe to say all

options are on

the table.   I cannot allow your request for information to harm things that

are happening on this end but I am sure you will try to do such anyway. 

So to conclude, why don’t you print a story or mention in a story the truth

that I had no personal gain and I was in fact wiped out.  That is factual!

That is the true!   Why don’t you retract your former misleading article

that somehow I used stolen funds from Canadian investors to buy a house in

the USA?”  Obviously I am sure you can imagine the damage that did but

again I don’t think you care.  I am sure you can imagine in your own

neighborhood if someone wrote a story you stole money to buy your house and

that was not true that there would still be consequences with your

neighbors etc.  Again

as I say , you don’t care as it does not sell newspapers.  

I assume because your objective is to sell newspapers and the truth does not

matter.   I feel horrible about the losses in Canada but the constant

misleading public relations campaign you have lodged against me as the

poster child of unpaid fines does inflict damage that does not allow me to

conduct business in any capacity and makes it almost impossible to  come up

with an ability to recover and pay investors back.   You are more intent to

propagate a false story against me on many of the key facts than for the

public good allow me to try and recover and pay back investors.   Yes I am

sure you would rather attack me than allow me for the public good to try to

reestablish and pay back investors.

So fire away with another story as David Baines wrote about uncollected

fines years before you,  but this is “like a dog on a bone” that you will

for the most part rehash the same story as it gives you a spotlight and

relevance but the information you provide is not fairly conveyed.  I agree

if someone stole money then report that as many of the people you write

about did in fact do that but that did not happen in my case.  But don’t

say I stole money from investors and bought a house in the United States

and show a picture of that house etc when that information is completely and

utterly false.   Again you should be aware of the unintended consequences of

this false reporting.

So my question is will your print a retraction in your article that again

you are likely to write about me that had material false information?   Will

you finally convey I had no personal gain or it sells more papers by making

me look as bad as possible?  I am sure you will use fraudster as many times

as possible in the article but again I will point out a major difference is

the fact I had no personal gain whereas the many others you have written

about actually stole money and had personal gain.

So I ask will you respond to my questions?

Again sorry for all the syntax errors and sentence splices but this was

written on the fly but you get the message I am conveying and look forward

to getting your response.

I have tried to cc your editor but could not find the email address.   I

guessed based on your paper who might be the editor and included them on

this email.  Sorry if I guessed wrong but when I called 604 689 9441 to

find out who was the editor the number said not working.  Based on past

experience I am sure this would be of little value but at least I am sure

more than one set of eye balls see my email to you.

—–Original Message—–

From: Hoekstra, Gordon <GHoekstra@postmedia.com>

Sent: Wednesday, March 24, 2021 10:28 AM

To: Chairman@highmarklv.com

Subject: Question – what next – after rehearing denied

Importance: High

Hello Mike,

I see that the rehearing has been denied by the Nevada Supreme Court.

What¹s your next step?

I believe you said you would take this to the US Supreme Court. Will you do

so?

Regards,

Gordon

GORDON HOEKSTRA

REPORTER

Vancouver Sun

T: 604.605.2132

C: 604.329.2381

#400 ­ 2985 Virtual Way

Vancouver, BC V5M 4X7

ghoekstra@postmedia.com <mailto:atanner@postmedia.com>

 <http://www.postmediaadvertising.com/>

ICOA guides on how to make money in the Commercial Real Estate Market

Video
ICOA Webinar –
Feb 24

With a focus on the impact of Covid on the overall Real Estate market

Part 1 Overview
Renaming airports is a prime example of how our government spends time and money on actions that have no real value to all – but a very few.

As one of the busiest and best known airports in the world, McCarran is doing well. 
Changing the signage and branding alone would cost millions. 
Here we have a prime example of a divisive politician achieving his agenda by getting the support of his ‘cronies’ in Clark County.

Part 2 Overview
With a view on specific areas within the Continental US
With a focus on
The Commercial Real Estate market
& the impact of Covid

Companies have had to deal with issues
never encountered before
– all this in an ever changing political
and legal environment
 
That said, certain sectors have (and will)
continue to benefit
In other sectors the fallout from failures will present bargain basement ‘brick and mortar’ purchase opportunities 

Uncertainty seems to prevail!
And yet, the market will adapt in foreseeable ways presenting diverse opportunities

Also, there will be an (almost fundamentally ‘cultural’) adaptation in the work place with the inevitable and now expedited move of workers away from centralized workspace (due to our access to a ‘virtual’ / viable workspace).

The health of residential rental spaces vary over the country; however, overall it remains
surprisingly stable.

Protocols within interior gathering spaces have evolved and become familiar and comfortable to the point where they may even remain
and become entrenched.

2021 may not reflect the full impact of recent events.

We may have to wait for another year to experience the full effects.
And we must pay attention to Interest rates and how the FED reacts

The phenomena of population decline in the larger cities has accelerated due to recent events. 
The macro view is that the dynamics of change has escalated to the point of continued disruption and yet, from a macro view,
– predictable going forward.

Commercial Real-estate and affordable housing are the hardest hit to date (in all of this) and certainly
will present opportunities
 
At this point we must be patient; however, the club is studying the landscape and will move when appropriate.

Please click on the link below
– to view this webinar:

VIDEO LINK – ICOA Meeting FEB 24, 2021

The Las Vegas Golden Knights

The Las Vegas Golden Knights Players are a wonderful addition to the Las Vegas Community.  They are great ambassadors. 

Bill Foley on the other hand is a disgrace.  He misleads local hockey fans when he needed their support and then moves to “screw” local season ticket holders.  

Foley shows his true character of who he really is in this video.

Please watch this video that has over 1,000 views.

Lathigee vs British Columbia Securities Commission/Well Fargo apology etc

Friends and Family,

Please see the attached lawsuit (filed on Friday) vs the British Columbia Securities Commission (BCSC).   

This lawsuit explains the illegal seizure, including the theft of 56 one ounce gold coins (not accounted for by the BCSC in their documentation of the seizure). 

In addition, despite perpetuating the lie for years, there has been zero evidence I have had any personal benefit when my company collapsed (in Canada) as a result of the ‘subprime mortgage’ crisis of 2008/9. 

The fact is – I was wiped out and lost more than anyone else within my investment group.

The complaint shows that proper protocols were not followed by the BCSC during the seizure.

It also outlines deliberate malice perpetrated by the BCSC in conducting the seizure, which occurred on the same day of my mother’s funeral – when I was due to deliver the eulogy.  

Not only was opposing counsel notified of my mothers condition (through proper channels) that I was in Canada in the days before her death (in Canada because I had to produce documents per a BCSC demand subpoena) but I had also notified them that I was working on it ‘under difficult circumstances’ in the face of her obvious & impending death.

The BCSC, then fully aware of my mother’s illness and subsequent death, and regardless of it, proceeded with the seizure.

One would have hoped for some small modicum of decency to prevail, even if for only one day, yet the BCSC proceeded with its agenda.

Then, in taking my cell phone during the seizure, BCSC’s legal counsel, Matt Pruitt, refused to return the phone, wilfully denying me the ability to, (not only be in contact with my family during that day but also) deliver the eulogy which my family expected – albeit by phone (which, given the pressures I was under, they understood). 

My family, aware of the unending and unlawful tactics resorted to by the BCSC were left further distressed on a day of our mutual grief as to what must be going on to have resulted in my “no show”. 

Subsequent to the seizure “contrived” news articles caused banks to shut down accounts belonging to my wife and myself. 

In fact some time ago Wells Fargo sent an apology letter stating there was no fraud in my wife’s account and sent her a check for $150 in compensation.  

I also received 2 similar letters and checks for $150 each and Wells Fargo followed up a few times to ensure the checks were cashed.  I assume this is because, if we cashed the checks, it is an acceptance of settlement.  My wife and I will not cash these checks.  I want to leave the legal door open to hold the banks accountable when I am through this.