This December was probably the worst time to get the bank loan board to approve lines of credit. The markets were in a historic down fall. Bank officers probably had more pressing matters to attend to adjust their portfolios going forward before taking time off for holidays. In the financial world delays are common when dealing with large amounts that if not properly secured could result in trouble for the loan institution and its employees. NTEK isn't going anywhere and nether is DF who is fighting to make this work for his sake and also ours. Unless you need large tax write offs may as well see it through after all what we have gone through together.