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Leasing News is a web site that posts information, news, and
entertainment for the commercial alternate financing,
, finance and leasing industry



Monday, November 23, 2015

Today's Equipment Leasing Headlines

Jay Coles Passes Away
 Long Time California Leasing Veteran
Position Wanted---Senior Management
  Seeking New
Top Stories November 9-November 12
(Opened Most by Readers)
Leasing 102 by Mr. Terry Winders, CLFP
Lessee’s Needs
The List—History of Leasing from 1998
Leasing News Company News Archives
Leasing Industry Ads---Help Wanted
California/Scottsdale/Orange County, San Francisco Bay
“Can I Inquire about the Company’s Culture?”
Career Crossroad---By Emily Fitzpatrick/RII
CLFP Adds 12 New Members
Total Now is Record Breaking 290 Certified
Academy for Lease & Finance Professionals
  First Three Classes in 2016
Terrier/Airedale Mix
  Lihue, Kauai, Hawaii  Adopt-a-Dog
Leasing News Classified Ads
   IRS Verification
News Briefs--- 
Sprint to get $1.2 billion from Softbank leasing unit
  Sale and Lease/Back
Boeing, GE Capital Aviation Services Celebrate
 Delivery of Lessor's 500th Boeing Airplane
Is the UCC Boom Over?
 UCC as Strategic Marketing Tool Decreases in Quality
Loan Broker: $300,000 Month SuperStar
 $25,000 to $50,000 Rookie Broker Level
MB Financial and American Chartered to Merge
  AC  $2.8 BB total assets, $2.2 BB Deposits, $2.0 BB loans

Broker/Funder/Industry Lists | Features (writer's columns)
Top Ten Stories Chosen by Readers | Top Stories last six months (Be Careful of Doing Business)
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    Sports Briefs---
      California Nuts Brief---
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               Weather, USA or specific area
                 Traffic Live----

######## surrounding the article denotes it is a “press release” and was not written by Leasing News nor information verified, but from the source noted. When an article is signed by the writer, it is considered a “by line.” It reflects the opinion and research of the writer.




Jay Coles Passes Away
Long Time California Leasing Veteran

Jay is seated on the far right side of the bench at the Old Leasing Guys gathering at the late Charlie Lester's family house in Kennebunkport, Maine.

Michael Parker of Credential Leasing & Finance, President Elect of the National Association of Equipment Leasing Brokers, sent in the photo and wrote, "OLG [Old Leasing Guys) was a group put together about 12 years ago and we met 2 times a year to discuss business there were 14 of us. Missing in the picture was Jim Blizzard and John Cole. We were all NAELB members. We always had the wives with us and then we all went out and had fun times. Yes, that is Jay on the far right."

Jay passed away Friday, November 20th, after a long bout with cancer. Visitations will be Wednesday, November 25th, at 10am.  Funeral services will be Wednesday, November 25th, at 11am.  Arrangements: Church of Jesus Christ of Latter Day Saints, 1360 Alberta Way, Concord, CA 94521.

Latter-Day Saints Funeral Traditions:

The family has asked there be no flowers. They request any donations be in the name of Jay Coles to the American Heart Association,

No obituary was available at the time of publication.

He leaves his wife Karen and two daughters. The name of Jay Coles’ company is Select Equipment Leasing Co., Concord, California, part of the co-op One World Leasing. At American Leasing, Santa Clara, California, we started Jay in leasing when he was at Foothill Thrift & Loan, San Francisco, in 1972.

In the early 1970's, we did a lot of discounting business with Foothill (all 1st and 10%), buy rate 18%. These were the days of “FMV or 10%, whichever is higher,” although most often it was 10%.

These were the days of  Budget Finance, Fireside Thrift & Loan, Foothill Thrift & Loan, Imperial Thrift & Loan, Topa Thrift & Loan; as well as taking second mortgage liens to make the deal.

This may have been the start of Alternative Financing. Before this leasing was through banks and finance via 25% down through Westinghouse and CIT. It certainly was the Wild West with the thrifts taking almost anything you sent in, especially if you got a second mortgage lien on the home.

Jay and my ex-partner Jim Kalinski were best of friends. Foothill grew quite large under Jay, and then the market changed as the prime rate rose to 21%. Jay tried to be a broker, then went to work for Steve Dunham, ran the Pleasant Hill, California office for Leasing Association and then went independent.

Ultimately, he joined the first leasing co-op in its early days known as One World Leasing.
   - Kit Menkin, Editor 


Position Wanted---Senior Management
  Seeking New Opportunities

Each Week Leasing News is pleased, as a service to its readership, to offer completely free ads placed by candidates for jobs in the industry. These ads also can be accessed directly on the website at:

Each ad is limited to (100) words and ads repeat for up to 6 months unless the candidate tells us to stop. Your submissions should be received here by the end of each week.

Please encourage friends and colleagues to take advantage of this service, including recent graduates and others interested in leasing and related careers.

Senior-level leasing executive accomplished in sales, finance, operations and marketing. Seeking new opportunity to capitalize on my strategic, ideation, communication and analytical strengths to identify opportunities, formulate solutions and articulate strategies that inspire cross-functional teams to enhance corporate performance and shareholder value. Adept negotiator of multi-million dollar lease program agreements and contracts. Driver of increased sales productivity, incremental revenue, operating expense reductions and customer acquisition/retention.


Top Stories November 9-November 12
(Opened Most by Readers)

(1) Editorial
All Leasing Brokers in California Should be Licensed

(2) Ken Greene, Esq. Report on NAELB Conference
Attendance:  60 Brokers/100 Funder/Associates

(3) New Hires---Promotions in the Leasing Business and Related Industries

(4) Archives - November 20, 2001
         Richard Baccaro Leaves AmEx Biz Finance

(5) Englewood, Colorado Weather Report
         Not as Bad as Reported

(6) Archives--November 16, 2001
        --Jeff Wong Passes Away

(7) The Certified Lease & Finance Professional Foundation
         Announces 2016 CLFP Board of Directors

(8) Alternate Finance/Cash Advance Lenders Not Regulated as Banks
           By Christopher Menkin

(9) 10 states where bank-owned homes will soon flood the market

(Tie) (10) California: The Madness Continues
By Barry Marks, Esq.

(Tie) (10) Steve Geller on NEFA Conference
Long Time Leasing Veteran Report



(Terry retired January 1, 2015.  To honor him and his many years of writing for readers of Leasing News, is repeating several of his columns that are still meaningful today. Here is April 23, 2013.)

Lessee’s Needs

The real art of commercial equipment leasing is determining the lessee’s needs. Most new salespersons think rate drives the deal and they spend a lot of time trying to mask the lease rate. Most lessees have already decided what is important to them and are looking for a transaction that meets their expectations. Rate may be an issue but on many occasions the structure holds just as much interest.

If you are using a vendor contact, it is important to get permission to speak to the lessee. Some vendors feel that you may confuse the lessee or lose the deal for the vendor, so you need to have the vendor’s salesperson make the call with you to see how your leasing approach or programs help the lessee to make up his mind. Once the salesperson believes in you the stronger opportunities you will see.

The qualifying questions you use to gain some insight into what motivates the lessee is important. Use open ended questions to get the lessee talking such as “Please explain how your business works” or “How has the economic downturn effected your business?” The more the lessee talks, the more he will explain the current position of the company and give you some insight on how to bid the deal.

The most important talent in leasing is the art of listening. Do not present your lease programs like they are the best in the marketplace. You are there to listen and gain knowledge about what the lessee is looking for! Once the lessee is finished presenting the company’s current position, then probe with questions on cash flow needs, accounting needs, and ask how the equipment is going to be used and its effect on future operations. Determine if the equipment is an expense item or a revenue generator. Of course, term of use is of major importance.

You can offer leasing on small equipment fairly quickly while you are there but as the size of the deal increases, you need to spend the appropriate amount of time to determine the facts and come back with a detail proposal. If your meeting determines some accounting needs or cash flow issues that match up with the equipment actual term of use, you have a better chance that your lease program will be accepted.

On cold calls, I would not explain you are selling leasing until it is determined that they are planning to obtain some equipment. Ask to see the equipment that is being replaced to determine how long they have had it and how it was maintained. The more you learn about the equipmen,t the more you will have information to create a leasing program. You may want to ask if they have ever leased before and if so, who they leased from. On occasion, some lessees have had a bad experience in leasing so you need to determine what the problem was.

If you have a customer that has never leased before, the more you can explain the reasons different leases are created to deal with the tax, legal, and accounting rules. If you look like a professional that knows the business, you have a good chance of establishing a relationship that will bring future business. The real advantage to future business is establishing transactions that you can use as a reference to develop a market.

If you are calling in a specific industry, get to know all about the equipment used in that industry so you can talk with authority on term of leases and programs to follow the actual use. Learn who the major equipment suppliers are and what their strengths and weaknesses are so the conversation with the customer makes you look like an insider.

Sales in leasing require a lot of study to learn the correct methods to use upon calling on a potential lessee. The more you learn the better you will get and leasing will look like a great way to make a living.

I can’t recommend enough to become a Certified Leasing Professional. Not that it gives you a title or to those in the professional lets them know you are a professional, and the knowledge it brings is the most important. Yes, hard work, luck, are important, but knowledge will make a great deal of difference in your life, especially in the leasing business.

(To learn more about the CLP Handbook)

Previous #102 Columns:




Leasing Industry Help Wanted

For information on placing a help wanted ad, please click here:

Please see our Job Wanted section for possible new employees.



The List—History of Leasing from 1998
Leasing News Company News Archives

The two sections have been updated, corrected, and reflect the original
intent. This has been delayed for quite some time. The list originally began in 1995, but was not saved until 1998, and not formatted until 2000 where it basically was a list of companies with serious changes going on. Many actually went out of business in the economic downturn, or merged as large companies were buying up the smaller companies.

Originally the list was up-dated from time to time, then arranged in a monthly order, while keeping the master list alphabetical by company name. Today it is updated every month.

Chronological List

Alphabetical by Company




“Can I Inquire about the Company’s Culture?”
Career Crossroad---By Emily Fitzpatrick/RII

Q: How do I inquire about a potential company’s culture?

A: Corporate culture is often referred to as the “unique character” of an organization and can include elements such as ethics and rules of behavior. Ideally, an organization aspires to create a working environment that attracts top candidates and an environment that gets the employees excited to come to work every day. In attracting the best talent and retaining employees, an organization MUST have an appealing and defined culture.

In determining a potential employers’ culture, you will receive cues audibly and visually when interviewing, e.g. how colleagues address each other, office décor, and attire.

Ask about/Look for:
1. The hours per day, per week, options such as flextime and telecommuting
2. The environment, including the degree of competition and whether it’s a fun or hostile environment
3. The dress code, including the accepted styles of attire
4. The office space, including things such as cubicles, window offices, and the display of personal items
5. Onsite perks, such as break rooms, gyms, daycare facilities, etc.…
6. Interaction with other employees, including managers and top management

The truth is that you will not really know until you have worked at the company for a few months, but you can get close through observation and pre-interview research. 

Here are some basic questions you can address in an interview: Preface questions by relaying the importance of how culture will be a part of your decision-making process

1. What's the best part about working here that I won't be able to see around the office?
2. What are the most common complaints employees make about your company?
3. May I speak with a few of your veteran employees or new hires?
4. What is the average tenure?”

Wishing Everyone a Happy Thanksgiving! 

Emily Fitzpatrick
Sr. Recruiter
Recruiters International, Inc.
Phone:  954-885-9241
Cell:  954-612-0567
Invite me to Connect on LinkedIn
Also follow us on Twitter #RIIINFO

Career Crossroads Previous Columns


CLFP Adds 12 New Members
Total Now is Record Breaking 290 Certified

The Certified Lease & Finance Professional (CLFP) Foundation recently held its fourth Academy for Lease & Finance Professionals (ALFP) of 2015. The event was hosted by GreatAmerica Financial Services, Cedar Rapids, Iowa. All twelve of the individuals who sat for the exam at the conclusion of the event passed. Eleven of the twelve test-takers who took the exam utilized a computer-based platform which was offered for the first time.

Amy Spragg, CLFP, Treasurer for the CLFP Board of Directors, and Managing Director, Pacifica Capital stated, “Long gone are the days of hand cramps and missed answers from illegible writing. With the launch of the online CLFP exam, the Certified CLFP Foundation can continue to grow as the premier credential of the leasing and financing industry. While maintaining the designation’s integrity, this new test format enables a greater number of applicants the opportunity to easily take and pass the exam.” 

The twelve newest CLFPs are:

Jennifer Finken, CLFP
Account Manager,
Equipment Finance
NCMIC Finance Corp.

Lisa Genereux, CLFP
Account Executive
Dell Financial Services

Todd Jarvela, CLFP
Director, Direct Program Group
GreatAmerica Financial Services

Melissa Knutson, CLFP
Equipment Finance Manager
NCMIC Finance Corp.

Mike Kramer, CLFP
Senior Account Manager
Diversified Capital Credit

Ryan McHugh, CLFP
Vendor Relationship Manager
GreatAmerica Financial Services

Nick Nielsen, CLFP
Vice President of Sales, Communications
and Data Group
GreatAmerica Financial Services

Ryan Otto, CLFP
Vice President & Senior Audit Manager
BMO Financial Group

Carrie Radloff, CLFP
Business Development Manager
American Financial Partners

John Rodwell, CLFP
Vice President, Business Development
Ohio Indemnity Company Lender
OIC Lender Services

Stephanie Severin, CLFP
Vice President, Chief Credit Officer
GreatAmerica Financial Services

Tawnya Stone, CLFP
Director, Enterprise Strategic Technology
Great America Financial Services

Companies with two or more certified professionals:



First American Equipment Finance


Financial Pacific Leasing


Ascentium Capital


Allegiant Partners


Orion First Financial


Arvest Bank/Equipment Finance


ECS Financial Services


GreatAmerica Financial Services


Banc of California


Bank of the West


Great American Insurance


Maxim Commercial Capital


Northland Capital


Diversified Capital Credit


FSG Leasing


Innovative Lease Services




Pacifica Capital


Alliance Funding Group


Bravo Capital


BSB Leasing


Canon Financial Solutions


Commerce Bank


Finance Capital


GO Capital


Huntington Equipment Finance


NCMIC Finance Corporation


Padco Financial Services


Pinnacle Business Finance


Portfolio Financial Servicing Company


Providence Capital Funding




The CLFP designation identifies an individual as a knowledgeable professional to employers, clients, customers, and peers in the equipment finance industry. There are currently 289 Certified Lease & Finance Professionals and Associates in good standing throughout the world. For more information, call Executive Director Reid Raykovich, CLFP at (206) 535-6281 or visit




Academy for Lease & Finance Professionals
First Three Classes in 2016

The ALFP is a new product offered by the CLFP Foundation and is a three-day event designed to fully prepare an individual to sit for the CLFP exam assuming that attendees have read The Certified Lease & Finance Professionals’ Handbook prior to attending.

On the first two days, all of the required sections of the CLFP exam are covered in-depth; in addition, the three most popular elective sections will also be covered (see below). Study materials are provided for the elective sections not covered which students may use to self-study. On the third day, the exam is offered, but not mandatory.

  • Academy for Lease & Finance Professionals - Minnesota
    Thursday, January 07, 2016 8:30 AM • Albany, MN
  • Academy for Lease & Finance Professionals - Southern California
    Thursday, February 04, 2016 8:00 AM • Santa Monica, CA
  • Academy for Lease & Finance Professionals - San Francisco Area  Thursday, May 12, 2016 8:00 AM • Walnut Creek, CA

The cost to attend the class is $600 and the cost of the exam is $695. When purchased together, the total is discounted to $1250. Current CLFPs are offered a discounted price of $395 and class attendance satisfies the Recertification requirement.

More Information

If you are interested in attending, please contact us:

List Price: $59.95

Receivables Management LLC

John Kenny

• End of Lease Negotiations & Enforcement
• Third-Party Commercial Collections | ph 315-866-1167|

(Leasing News provides this ad as a trade for investigative
reporting provided by John Kenny)


Terrier/Airedale Mix
Lihue, Kauai, Hawaii  Adopt-a-Dog

Animal ID: 30106034
Breed: Terrier, Airedale/Mix
Age: 1 year 18 days
Sex: Female
Size: Medium
Color: Black/White
Declawed: No
Housetrained: Unknown
Location: Large Dog Adoption
Intake Date: 11/4/2015

"Isabelle is a quiet, well-mannered girl. She is shy, but warms up quickly and thoroughly enjoys the companionship of another dog."

Kauai Humane Society
3-825 Kaumualii Highway
Lihue, Hawaii 96766

Mon & Sat: 10am - 4pm
Tues - Fri: 11am - 6pm
Sunday: Closed

Contact us at 808-632-0610



Adopt a Pet



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(Leasing News provides this ad as a trade for appraisals
and equipment valuations provided by Ed Castagna)


News Briefs---

Sprint to get $1.2 billion from Softbank leasing unit
  Sale and Lease/Back

Boeing, GE Capital Aviation Services Celebrate
 Delivery of Lessor's 500th Boeing Airplane

Is the UCC Boom Over?
UCC as Strategic Marketing Tool Decreases in Quality

Loan Broker: $300,000 Month SuperStar
$25,000 to $50,000 Rookie Broker Level

MB Financial and American Chartered to Merge
AC  $2.8 BB total assets, $2.2 BB Deposits, $2.0 BB loans




--You May Have Missed It

LivingSocial Offers a Cautionary Tale to Today’s Unicorns


SparkPeople--Live Healthier and Longer

Alcoholic Beverages Calories/Carbohydrates


Football Poem

I put a Colin Kaepernick bumper sticker on my car and now it won't start.

 Q: What do the 49ers and the Post Office have in common?
 A: Neither deliver on Sundays!

 Q: What's the difference between the San Francisco 49ers and a dollar bill?
A: You can still get four quarters out of a dollar bill.

 Q: How do you keep an San Francisco 49ers out of your yard?
A: Put up goal posts.

 Q: Why doesn't Sacramento have a professional football team?
A: Because then San Francisco would want one.

 I took my broken vacuum cleaner back to the store.
 They put a 49ers jersey on it and now it sucks again.




Sports Briefs----

Joe Flacco's Injury Ends Ravens' Season, Raises Huge Long-Term Questions

No Offense: The Falcons Sputtered When it Counted

Oakland Raiders fall to Detroit Lions

Rams Report Card for last-play loss to Ravens

Eagles' frustrations rise to surface in another loss

Packers power through problems to vault Vikings

49ers' Seattle Seahawks woes continue in 29-13 defeat

The funniest reactions to the 49ers' flop in Seattle

Oregon Ducks move up five spots to No. 18 in AP Top 25 rankings


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California Nuts Briefs---

Prove you're a local:
 Trivia only Bay Area natives could know


“Gimme that Wine”

Napa Valley Vintners Awards $3 Million to Children’s Education in Napa County

Burgundy Winemakers Report Great Wines, but Low Quantities

Free Mobile Wine Program

Wine Prices by vintage

US/International Wine Events

Leasing News Wine & Spirits Page


This Day in American History

     1718 - English pirate Edward Teach, known as "Blackbeard", was captured off the Outer Banks of North Carolina near Ocracoke, taken to England and hanged.
    1749 - Birthday of Edward Rutledge (d. 1800) at Charleston, SC.  He was the youngest signer of the Declaration of Independence, governor of South Carolina. Ironically he was against independence, but was a recognized leader at the first Continental Congress and was the deciding vote approving South Carolina’s entry to the Union.
    1765 – The people of Frederick County, MD refused to pay England's Stamp tax.
    1783 – Annapolis became the capital of the US and would remain so until June, 1784.
    1785 - John Hancock was elected President of the Continental Congress for the second time.
    1804 - Birthday of Franklin Pierce (d. 1869) at Hillsboro, NH.  Fourteenth President of the US whose term of office was Mar 4, 1853 - Mar 3, 1857. He was not nominated until the 49th ballot at the Democratic Party convention in 1852, and he was refused his party's nomination for a second term in 1856. (Lower half of:
    1835 - Henry Burdon of Troy, NY, received a patent for a horseshoe manufacturing machine. His machine produced a completed horseshoe from a rod of iron that was fed into it. It produced shoes more rapidly and uniformly than the rational method of hand production on a forge.
    1848 – The Female Medical Education Society formed in Boston.
    1852 - Just past midnight, a sharp jolt causes Lake Merced to drop 30' (9m)
    1857 - Birthday of Katharine Coman (d. 1915) in Newark, OH.  U.S. economic historian who’s “Industrial History of the United States” (1905) was widely used as a textbook and her “Economic Beginnings of the Far West” (1912) was a major historical work. She researched her books by going into the field and interviewing personally while observing things for herself. She was professor of political economy and history at Wellesley College where she lived with Katharine Lee Bates for many years.
    1859 - Birthday of legendary outlaw Henry McCarty (d. 1881) in New York City.  He was better known as William H. Bonney a.k.a. “Billy the Kid”. He was a ruthless killer, a failure at everything legal, escaping from jail at age 21 while under sentence to be hanged. Recaptured at Stinking Springs, NM, and returned to jail, he again escaped, only to be shot through the heart by pursuing Lincoln County Sheriff Pat Garrett at Fort Sumner, NM, during the night of July 14, 1881. His last words, answered by two shots, reportedly were “Who is there?”
    1860 - Abraham Lincoln had inherited not only a country divided, but in great financial difficulty. On this day, the Clearing House handed out its first loan, issuing $7.375 million worth of certificates to the nation's ailing banks. Abraham Lincoln was elected President on February 27.  The US population was 31,443,321; 448,070 free blacks and 3,953,760 slaves. The Union was 33 states, 18 of them free and 15 slave. At the time, the economy was not in very good shape. One of Lincoln’s moves to get the economy going was helping the ailing banks.
    1863 - The historic Battle of Chattanooga began.  Following the defeat of the Union Army at the Battle of Chickamauga in September, the Confederate Army of Tennessee under Gen. Bragg besieged Union Gen. Rosecrans and his men by occupying key high terrain around Chattanooga. Maj. Gen. Grant was given command of Union forces in the West and significant reinforcements began to arrive with him in Chattanooga from Mississippi and the East.  After opening a supply line (the "Cracker Line") to feed his starving men and animals, Grant's army fought off a Confederate counterattack at Wauhatchie on October 28–29, 1863. On November 23, the Army of the Cumberland under Maj. Gen. Thomas advanced from the fortifications around Chattanooga to seize the minor high ground at Orchard Knob while elements of the Union Army of Tennessee under Gen. Sherman maneuvered to launch a surprise attack against Bragg's right flank on Missionary Ridge. On November 24, Eastern Theater troops under Maj. Gen. Hooker defeated the Confederates at Lookout Mountain and began a movement toward Bragg's left flank at Rossville.  On November 25, Sherman's attack on Bragg's right flank made little progress. Hoping to distract Bragg's attention, Grant authorized Thomas's army to advance in the center of his line to the base of Missionary Ridge. A combination of misunderstood orders and the pressure of the tactical situation caused Thomas's men to surge to the top of Missionary Ridge, routing the Army of Tennessee, which retreated to Dalton, GA, fighting off the Union pursuit successfully at Ringgold Gap. Bragg's defeat eliminated the last significant Confederate control of Tennessee and opened the door to an invasion of the Deep South, leading to Sherman's Atlanta Campaign and March to the Sea of 1864.
    1876 - William Magear Tweed, known as Boss, was delivered to authorities in New York City after being captured in Spain. Tammany Hall was the Democratic Party political machine that played a major role in the politics of 19th century New York City and State. At the height of his influence, Tweed was the third-largest landowner in NYC, a director of the Erie Railroad, the Tenth National Bank, and the New-York Printing Company, as well as proprietor of the Metropolitan Hotel.  His control over political patronage in New York City was through Tammany, as was his ability to ensure the loyalty of voters through jobs he could create and dispense on city-related projects.  According to Tweed biographer Kenneth D. Ackerman:  “It's hard not to admire the skill behind Tweed's system ... The Tweed ring at its height was an engineering marvel, strong and solid, strategically deployed to control key power points: the courts, the legislature, the treasury and the ballot box. Its frauds had grandeur of scale and an elegance of structure: money-laundering, profit sharing and organization.” Tweed was convicted for stealing an amount estimated by an aldermen's committee in 1877 at between $25 million and $45 million from NYC taxpayers through corruption, although later estimates ranged as high as $200 million.  Unable to make bail, he escaped from jail once, but was returned to custody. He died in the Ludlow Street Jail.
    1876 – Those three college football powers, Columbia, Princeton, and Harvard, formed the Intercollegiate Football Association.
    1878 – Fleet Admiral Ernest King (d. 1956) was born in Lorain, OH.  He was Commander-in-Chief of the U.S. fleet who reportedly designed the United States' winning strategy in World War II. Promoted to Vice Admiral, he insisted that his pilots be trained for night operations. In January 1941, King was made commander of the Atlantic Fleet and, after Pearl Harbor, he was given the post of Commander in Chief of the US Fleet. King developed a reputation for being abrasive and argumentative. As a member of the Joint Chief of Staffs, he often clashed with General George Marshall. King opposed plans to land the US Army in North Africa. He thought the most important area of concern was the Pacific War. Moreover, he thought that the US Navy should play the decisive role in this as long as it was given adequate resources. King, General Douglas MacArthur, Supreme Commander of the Southwest Pacific Area, and Chester Nimitz, Commander in Chief of the US Pacific Fleet, decided that their first objective should be to establish and protect a line of communications across the South Pacific to Australia. This resulted in the battles of Coral Sea and Midway, where the Japanese Navy lost all four of her carriers. King insisted on launching the Guadalcanal campaign although MacArthur claimed that the US Army was not ready yet for a major offensive. MacArthur also disagreed with invasion of the Solomon Islands. There was also conflict over King's view that American forces should bypass the Philippines. King also opposed Russian involvement in the Pacific War. He also objected to the idea that the Royal Navy should be moved to Pacific after gaining control of the Atlantic. In December 1944, King, along with William Leahy and Chester Nimitz, was given the five-star rank of Fleet Admiral.
    1887 – Actor Boris Karloff (d. 1969) was born William Henry Pratt in London, England.  He is best known for his roles in horror films and especially for his portrayal of Frankenstein in “Frankenstein” (1931), “Bride of Frankenstein” (1935), and “Son of Frankenstein” (1939), which resulted in his immense popularity.  
    1888 – Harpo Marx (d. 1964) was born Adolph Marx in the Upper East Side of Manhattan.  In January 1910, Harpo joined two of his brothers, Julius (later "Groucho") and Milton (later "Gummo"), to form "The Three Nightingales", later changed to simply "The Marx Brothers". Multiple stories, most unsubstantiated, exist to explain Harpo's evolution as the "silent" character in the brothers' act. In his memoir, Groucho wrote that Harpo simply wasn't very good at memorizing dialog, and thus was ideal for the role of the "dunce who couldn't speak", a common character in vaudeville acts of the time.
    1889 - Louis Glas invented and this day installed a coin-operated phonograph player in the Palais Royale, San Francisco. There were many such machines made, generally called “coin graphs.” The first widely successful “jukebox” manufacturer was the Rudolph Wurlitzer Company of North Tonawanda, NY. Its most popular model was made of curved plastic tubes containing a fluid with a low boiling point. Small heaters kept the fluid bubbling. Wurlitzer sold 56,246 of the Model 1015 in 1946 at $750 each. In reality, the juke boxes never became as widely distributed until the 1950's with the invention of the 45rpm record.
    1897 - Jazz pianist Willie “the Lion” Smith (d. 1973) birthday, born William Henry Joseph Bonaparte Bertholoff Smith, Goshen, NY
    1897 – Ransom Eli Olds of Lansing, Michigan, is issued a U.S. patent for his "motor carriage," a gasoline-powered vehicle that he constructed the year before.  He claimed to have built his first steam car as early as 1894 The modern assembly line and its basic concept is credited to Olds, who used it to build the first mass-produced automobile, the Oldsmobile Curved Dash, beginning in 1901
    1897 – Ruth Etting was born in David City, NE.  One of the most popular U.S. singers from the 1920's through most of the 1940's, she had more than 60 big hits. Best known today for her gangster connections because of the movie about her life “Love Me or Leave Me”, the fictionalized story of her life with Doris Day as Etting.
    1903 - Singer Enrico Caruso made his American debut at the Metropolitan Opera House in New York, appearing in "Rigoletto."
    1909 – The Wright Brothers formed a million-dollar corporation to manufacture airplanes.
    1912 - Trombonist Tyree Glenn (d. 1974) was born in Corsicana, Texas.
    1914 - Emmett Littleton Ashford (d. 1980), was born at Los Angeles, CA.  he was the first black to umpire a Major League Baseball game. Ashford began his pro career calling games in the minors in 1951 and went to the Majors in 1966. He was noted for his flamboyant style when calling strikes and outs, and for his dapper dress which included cuff-links with his uniform.
    1925 - Birthday of composer Johnny Mandel, NYC.  A Grammy and Oscar-winning composer and arranger of popular songs, film music, and jazz, among the musicians he has worked with are Basie, Sinatra, Peggy Lee, Anita O’Day, Streisand, Tony Bennett, and Shirley Horn.
    1936 - The illustrated magazine “Life” debuted on this day.  “Life” was a weekly American magazine from 1883 to 1972, published initially as a humor and general interest magazine. Time founder Henry Luce bought the magazine in 1936, solely so that he could acquire the rights to its name, then shifted it to a role as a weekly news magazine with a strong emphasis on photojournalism, the first issue of which was today. It was published weekly until 1972, as an intermittent "special" until 1978, and as a monthly from 1978 to 2002.
    1938 - Bob Hope and Shirley Ross recorded a song for the film, “The Big Broadcast of 1938”.  “Thanks for the Memory” became Decca record number 2219. It also became Hope's theme song.    1943 - The US Second Marine Division took control of the Gilbert Islands after fierce fighting on the heavily fortified Tarawa Atoll.  In the 76-hour battle, the Marines beat back a “death charge” in which the Japanese ran directly at the American guns. American troops sustained 3,500 killed and wounded. The Japanese suffered 5,000 killed and 17 wounded and captured.  The Gilbert Islands are the westernmost of the Polynesians, midway between Australia and Hawaii and today are part of the nation of Kirbati.
    1943 - Randolph in Coos County, NH receives 56 inches of snow, a record for the state. Berlin received 55 inches and many other locations over 40 inches
    1943 – Philadelphia Phillies owner William D. Cox was permanently banned from baseball by Commissioner Landis for having bet on his own team
    1944 - SILK, EDWARD A., Medal of Honor
Rank and organization: First Lieutenant, U.S. Army, Company E, 398th Infantry, 100th Infantry Division. Place and date: Near St. Pravel, France, 23 November 1944. Entered service at: Johnstown, Pa. Born: 8 June 1916, Johnstown, Pa. G.O. No.: 97, 1 November 1945. Citation: 1st Lt. Edward A. Silk commanded the weapons platoon of Company E, 398th Infantry, on 23 November 1944, when the end battalion was assigned the mission of seizing high ground overlooking Moyenmoutier France, prior to an attack on the city itself. His company jumped off in the lead at dawn and by noon had reached the edge of the woods in the vicinity of St. Pravel where scouts saw an enemy sentry standing guard before a farmhouse in a valley below. One squad, engaged in reconnoitering the area, was immediately pinned down by intense machinegun and automatic-weapons fire from within the house. Skillfully deploying his light machinegun section, 1st Lt. Silk answered enemy fire, but when 15 minutes had elapsed with no slackening of resistance, he decided to eliminate the strong point by an l-man attack. Running 100 yards across an open field to the shelter of a low stone wall directly in front of the farmhouse, he fired into the door and windows with his carbine; then, in full view of the enemy, vaulted the wall and dashed 50 yards through a hail of bullets to the left side of the house, where he hurled a grenade through a window, silencing a machinegun and killing 2 gunners. In attempting to move to the right side of the house he drew fire from a second machinegun emplaced in the woodshed. With magnificent courage he rushed this position in the face of direct fire and succeeded in neutralizing the weapon and killing the 2 gunners by throwing grenades into the structure. His supply of grenades was by now exhausted, but undaunted, he dashed back to the side of the farmhouse and began to throw rocks through a window, demanding the surrender of the remaining enemy. Twelve Germans, overcome by his relentless assault and confused by his unorthodox methods, gave up to the lone American. By his gallant willingness to assume the full burden of the attack and the intrepidity with which he carried out his extremely hazardous mission, 1st Lt. Silk enabled his battalion to continue its advance and seize its objective.
    1946 - French naval bombardment of Hai Phong Harbor, Vietnam, killed thousands of civilians. This was to lead to the First Indochina war, which eventually dragged the US into the conflict in the late 1950s.
    1946 - Top Hits
“Rumors are Flying” - Frank Sinatra
“Ole Buttermilk Sky” - The Kay Kyser Orchestra (vocal: Mike Douglas & The Campus Kids)
“The Whole World is Singing My Song” - The Les Brown Orchestra (vocal: Doris Day)
“Divorce Me C.O.D.” - Merle Travis
    1947 - E. L. Sukenik of Jerusalem's Hebrew University first received word of the existence of the Dead Sea Scrolls. The documents, dating between 200 BC and AD 70, had been accidentally discovered the previous winter (1946-47) by two Bedouin shepherds in the vicinity of Qumran.
    1948 - Dr. Frank G. Back of New York City patented the Zoom lens, which was first used by NBC television in April of 1947. It was not mass produced until 1959 when it became very popular with usage on a 35mm camera.
    1952 - Birthday of Francie Larrieu Smith, Palo Alto, CA.   She is, perhaps the greatest runner in U.S. history in a career that spanned four decades.  She set 35 American records in distances from 1,000 meters to two miles. During an international career from 1969-92, Larrieu Smith was on 28 national teams and won 21 national titles. She was a member of five Olympic teams, starting in 1972 when she ran the 1,500 meters. She also ran the 1500 at the 1976 Games and was a team member at the same distance in 1980.
    1954 - Top Hits
“I Need You Now” - Eddie Fisher
“Mr. Sandman” - The Chordettes
“Teach Me Tonight” - The De Castro Sisters
“More and More” - Webb Pierce
    1954 - The Dow Jones Industrial Average finally surpassed its pre-crash high, 25 years after Black Tuesday, when it closed at 382.74.
    1962 - Top Hits
“Big Girls Don't Cry” - The 4 Seasons
“Return to Sender” - Elvis Presley
“Next Door to an Angel” - Neil Sedaka
“I've Been Everywhere” - Hank Snow
    1963 - "I'm Leaving it up to You" by Dale & Grace topped the charts and stayed there for 2 weeks.
    1963 – President John F. Kennedy's body lay in repose in East Room of White House, the day after his assassination in Dallas.  President Johnson declared November 25 a national day of mourning.
    1963 - First episode of “Dr. Who” premiered on British TV with William Hartnell as the first doctor. Traveling through time and space in the TARDIS (an acronym for Time and Relative Dimen­sions in Space), the doctor and his companions found themselves in mortal combat with creatures such as the Daleks. “Dr. Who” didn't air in the US until Sept 29, 1975.
    1964 - The US Supreme Court refuses to strike the phrase "under God," instituted in 1954, from the Pledge of Allegiance
    1966 - Elvis Presley's 22nd film, "Spinout," premieres in Los Angeles. The movie is another box-office success and critical disaster for Elvis.
    1967 - AM radio received a blow to its self-esteem when San Francisco KMPX-FM disc jockey Tom Donahue, inventor of "classic rock" and "deep cut" radio, tells Rolling Stone: "Top Forty radio, as we know it today and have known it for the last ten years, is dead, and its rotting corpse is stinking up the airwaves."
    1968 - It's the end of an era: Rolling Stone Magazine reported that San Francisco's Family Dog has lost its license to operate out of the Avalon Ballroom, site of the marathon dance concerts featuring the Grateful Dead, Jefferson Airplane, Moby Grape, Quicksilver Messenger Service and other psychedelic groups.
    1970 - Top Hits
“I Think I Love You” - The Partridge Family
“The Tears of a Clown” - Smokey Robinson & The Miracles
“Gypsy Woman” - Brian Hyland
“Fifteen Years Ago” - Conway Twitty
    1974 - Billy Swan reached the #1 spot on the singles charts for the first and only time. “I Can Help” was the most popular song in the U.S. for two weeks.
    1975 - Minnesota quarterback Fran Tarkenton becomes the NFL's all-time completions leader when he completes his 2,840th pass in the Vikings' 28-13 victory over San Diego.
    1977 – With their closer, Sparky Lyle, having just won the AL Cy Young Award, the first AL reliever to do so, the New York Yankees signed free agent reliever Goose Gossage to a six-year $2.75 million contract. Gossage had 26 saves and a 1.26 ERA for the Pirates last season.  Before the season was over, Gossage would move into the closer’s role while Lyle would be traded to the Texas Rangers in the off-season.  The Yanks took the World Series from the Dodgers without having Lyle pitch.
    1978 - Top Hits
“MacArthur Park” - Donna Summer
“Double Vision” - Foreigner
“How Much I Feel” - Ambrosia
“Sleeping Single in a Double Bed” - Barbara Mandrell
    1981 - President Ronald Reagan signs off on a top secret document, National Security Decision Directive 17 (NSDD-17), which gives the Central Intelligence Agency the power to recruit and support a 500-man force of Nicaraguan rebels to conduct covert actions against the leftist Sandinista regime in Nicaragua. In the years to come, U.S. support of the Contras became a highly charged issue among the American public. Congressional and public criticisms of the program eventually drove the Reagan administration to subvert congressional bans on aid to the Contras. These actions resulted in what came to be known as the Iran-Contra scandal of 1986.
    1983 - A 24 hour snowfall record for Duluth, MN was broken with 16.9 inches. 19.7 inches fell during the entire storm, also a record
    1984 - Quarterback Doug Flutie of Boston College (my cousin on my mother's side) passed for 472 yards and led the Eagles to a 47-45 upset of the Miami University Hurricanes. Flutie won the game with a desperation “Hail Mary” touchdown pass that end Gerald Phelan caught in the end zone.  The play is considered among the greatest in college football history and American sports.
    1986 - Top Hits
“Human” - Human League
“You Give Love a Bad Name” - Bon Jovi
“Word Up” - Cameo
“You're Still New to Me” - Marie Osmond with Paul Davis
    1987 - Box office sales began for the spectacular musical, “The Phantom of The Opera”. Phantom took in a record-setting amount of $920,272 in seventeen hours. The incoming hit from London made a Broadway record in advance sales of over $12 million two months before its grand opening the following January.
    1988 - Wayne Gretzky scores his 600th NHL goal
    1989 - Low pressure tracking across the Carolinas brought heavy rain to parts of the Southern Atlantic Coast Region for Thanksgiving Day, and blanketed the Middle Atlantic Coast States and southern New England with heavy snow. The storm produced up to nine inches of snow over Long Island, NY, and up to 14 inches over Cape Cod, MA, at Yarmouth. Totals of 4.7 inches at New York City and 6.0 inches at Newark, NJ were records for Thanksgiving Day, the 8.0 inch total at Providence, RI was a record for any given day in November, and the 6.5 inch total at Strasburg, CT was a record for the month of November as a whole.
    1991 - "When a Man Loves a Woman" by Michael Bolton topped the charts and stayed there for a week.
    1991 - La Crosse, WI set a new record for 24 hour snow with 13 inches. This storm brought the monthly total to 28.2 inches, also a record
    1992 - The first smartphone, IBM’s Simon was introduced at COMDEX at Las Vegas.    
    1992 - Early morning severe thunderstorms spawned two F3 tornadoes in North Carolina resulting in 2 deaths and 59 injuries. This was the last day of the three day outbreak in which 93 tornadoes touched down claiming 25 lives.
    1992 - Alta, UT was buried under 45 inches of snow in 24 hours to set an all-time 24 hour record for that location
    1994 - Top Hits
“I’ll Make Love To You” - Boyz II Men
“Here Comes The Hotstepper” (From "Ready To Wear") - Ini Kamoze
“On Bended Knee” - Boyz II Men
“Another Night” - Real McCoy
    1996 - Actor Woody Harrelson and others clogged traffic for hours on the San Francisco Golden Gate Bridge in a protest on behalf of the Headwaters forest.
    1998 - The world's first portable mp3 player goes on sale, despite strenuous objections from the RIAA (Recording Industry Association of America). The Diamond Rio PMP300, which cost $200, could play about a dozen songs.
    2004 - An outbreak of severe thunderstorms produced reports of 54 tornadoes across portions of Texas, Louisiana, Arkansas and Alabama. In Texas's Hardin County, one person was killed with three injured when a tornado struck during the afternoon.
    2013 - Pop band One Direction hosted 1D Day, a day consisting of a record, 7.5 hour-long socially interactive live-stream on YouTube and Google+ Hangout including live band performances and celebrity guests; the event was an unprecedented use of social media.



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(chronological order)

- Why Every Broker Needs to be Licensed
    in the State of California
- Article on Where to Get a California
    Finance Lenders License
- Not Licensed Funders “Looking for Brokers”
   in California
- Opportunity Fund--Major Backer of CA SB 197
   "Working Capital for Working people"
- RBC Completes Acquisition of City National
   Parent of First American Equipment Finance
- Ascentium Capital Announces $281 Million Securitization
- Marlin Announces Thrust into Commercial Truck and Specialty Vehicles
- Valerie Jester Receives 2014 Award
    Leasing Person of the Year
- ELFA San Antonio Conference Report
   Forecast Equipment Finance Market to Hit $1.045 Trillion
- VGM Group, Inc. CEO and Founder Van G. Miller
- FinTech Legend Dave Murray is Back, This Time
  as Copperline Capital, LLC, Chicago, Illinois
- A Look at Why John Thain is Retiring from CIT
- Barry Drayer Released after Serving 13 Years
- Small Business Alternative Lending Conference
- OnDeck Expands Product Set To Meet
  Full Range of Small Business Financing Needs
- In a Surprise Move, Marlin Business Co-Founder/CEO
  Daniel P. Dyer Resigns
- Hiring a Credit Analyst
- Report on the NEFA Atlanta, Georgia Conference
- NEFA Elects New Officers
- California Gov. Brown Signs SB 197 and SB 235
    Better Be a Licensed Finance Lender to do Business Here
- Your “Return on Investment” on eDocs
- Alert: Integrity Financial Group
 Active Again on the Internet
- Originators 89% Satisfied with Current Position
  Survey Finds: 56% Had Incomes of $125,000
- Changes in the Commercial Finance and Leasing Industry
- Insurance Certificates are Often Virtually Worthless
- Richest Man in Leasing: Steven Udvar-Hazay
- Canadian Finance and Leasing Association
   Annual Conference Report by Hugh Swandel
- The 50 Best Fintech Innovators Report
- Most Report Leasing Business Up in August
- New "Same Day ACH" Goes into Effect Sept. 23, 2016
- Light Attendance at NAELB Atlanta Conference
- In California, You had better have a license to lease
- My Opinions on Major License Changes
  for Lease Financing in the State of California
- Who Needs a Desk? Watch the Change
- Advice on Testifying at a Deposition
- Reader Says Too Many Telephone Calls to Client
  All Generated from UCC Filings
- Employee Exodus at Direct Capital, Portsmouth, NH
- Jeff Rudin Family Adopts Mindy
- Top Five Leasing Company Web Sites
  in North America
- Leasing News Bulletin Board Update
   Hawkins Counter Sues $50,000 Judgement
Fed Chair Asks Cobra Capital for a Survey
- Apple Moves to Direct Financing
     Leasing News Exclusive
- How Many Types of Leases?
- OnDeck Capital Hit with Several Law Suits
- President of EAR Sentenced to Five Years
- Stick Mobility--Yoga to the Next Level
  New Exercise for Individuals or Groups
- Dale Kluga Sees Alternate Finance Bubble Ahead
   Concerned History is Repeating Itself
- 79 page 10Q SEC Filing Marlin Business Services
    What Was Not Fully Covered in the Press Release
- Marlin Business Bank Loan Website Requirements - Really?
- The top 50 brands in Quick Service and Fast Casual
- Will Voice Mail Become Part of the Past?
- Charlie Chan on Balboa Capital
- The Volume Produced by Alternate Finance is Astounding
   Changing the Way Credit Decision Are Being Made
- NAELB Leasing School Says it is Time
- All Wireless Phones to Have Anti-Theft Devices
- Dan Baldwin Forms "Cloud Broker Association"
- CLFP Foundation Breaks Record, Plus 18 New Members
- FDIC Cases Against Failed Bank Directors & Officers 26 to Date
- Senior Vice President Sentenced to Federal Prison
    Loss to Bank was $991,680
- Web App with Calculator for Vendors- One Month Free Trial
- Equipment Finance Decision Maker Survey Results:
   Vendor & Small Biz
- Bank Officer Gets One Year/$174,000 Judgment
- 182 Bank Officers Plus Investigated by SIGTARP
- Element Financial Tearing Up the US Market
- Which States Finance the Most Equipment
- New Website
- Lease One Tagged for Fraud in Lease Commitment
     by Tom McCurnin, Leasing News Legal Editor
- Three New Bulletin Board Complaints
    US Business Funding, Newport Beach, California
- Verhelle Founds Harvard Partners, LLC
- Business Loans/Cash Advance Increase
- Subject: Need a corporation 3-7 years old? Reaction
- Financial Pacific Leasing Digitizes
   End-to-End Transaction Lifecycle with DocuSign & eOriginal
- "Your lease rates are too high"
- Bulletin Board Complaint
   Balboa Capital, Irvine, California
- Provide “Added Value” by Protecting Your Customer
    Get Repeat Customer/Vendor Business with These Tips
      By Christopher Menkin
- Reader Complaint About LEAF Financial Investment (Collection)
- 2015 U.S. Digital Future in Focus
     by comScore
- Report: “The Impact of Alternative Financing on the
    Equipment Leasing and Finance Industry"
- The Equipment Leasing and Finance Foundation Releases
 study "Digital Documents in the Equipment Finance Industry”
- Bulletin Board Complaint Matrix Business Capital
    First Response to Cease & Desist
- US Business Funding, Newport Beach, California
  Bulletin Board Complaint $5,915 Deposit Made in 2013
- Update--Balboa Files: "It was an Operating Lease"
   By Tom McCurnin and Frank Peretore 
- Leasing Brokers: When May You Collect a Commission?
- Bulletin Board Complaint
    Integrity Financial Groups, Alpine, Utah
- “Capital” or “Finance” in Name, Better Have a License
- Bulletin Board Complaint
  Brian Acosta/Matrix Business Capital
- Maricle Found Guilty in Not Returning Advance Fees  
- Balboa Capital Sued in Federal Court for
        Bait and Switch Sales Tactics
- Details, Details...How Important are they?
   Very, When the Lessor Sneaks in a Blanket Lien
- What is Leasing?
    Legal Definitions by Leasing News Legal Editor Tom McCurnin
- Invest in Your Country
  U.S. Savings Bonds
- How to be a “Leasing Expert Witness”
    and Make Extra Income
- 2014 Survey Reports Expert Witness Hourly Fees
    Record All-Time Highs
- Your Photograph on
Use a Password Generator
- Banks Turn Toward Leasing for More Profit
- Why Leasing News is Different
- Take Your Banker to Lunch
- Look Out!!! --Two Evergreen/PRR Clause Lessors Merge
   Onset Financial/Mazuma Capital
- Lease Police Tips on Judging Vendors
- Netiquette: Rules of Behavior For Email and the Internet
- Alert: Rudy Trebels Back Soliciting Broker Business
- HL Leasing/John Otto--Update
- NorVergence- Year end, 2013
- Twelve Lawyers Against Evergreen Clause Abuse
- Wants to Go After Lessors and Their Attorneys
   Re: Evergreen Clause Abuses
- Sample of Usury Laws in United States
- Balboa Capital Class Action Case Settled--$5 million?
- Old Cowboy On His Horse
- Leasing Brokers: When May You Collect a Commission?
- Is Long Term Leasing Dead?
- 5 Ways Women Are Better Bosses Than Men
- Balboa Capital, Irvine, California
   $20,543.22 Bulletin Board Complaint
   Alleged “Bait and Switch”
- Female Lease Finance Association Presidents
- Broker’s Responsibility to Obtain
    California Lender’s License
- The Day that Albert Einstein Feared May Have Finally Arrived
- Equipment Finance Agreements Explained/Barry S. Marks
- Royal Links "True Lease" Court Ruling
- "The Memory Shock" –New Book by Barry Reitman
- Jeff Taylor's Leasing Predictions, Spring, 2006
- New Case against Mazuma Capital and Republic Bank
  ---Automatic Evergreen Payment---PPR
- Charles Schwartz and Allied Health
- Copier Wars---It's more than the lease payment
    by Christopher Menkin
- Leasing Gypsies
- Verifying Tax Returns
- Special Report: Part I
   Could Church Kiosks, Royal Link Carts, NorVergence results been avoided?

   The use of “Equipment Finance Agreements”
- Special Report: Part II
    Bank of the West

   Equipment Lease Agreement (EFA)
- California License Web Addresses
- Settlement Costs vs. Litigation Costs