The Capital One matter is a severe blow to an already battered body and the various individuals who were calling me on it ran the gamut from cold to indifferent to abusive. Not one of them responded to me with the idea of working together to solve the problem. Not one of them responded to my primary concern… I am writing this note to you, Mr. Christensen, to simply let you know that people like myself, who are going through a rough period, truly appreciate a voice on the other side of the telephone that sounds like a fellow human being.