So your +1&#x2F;-1 don&#x27;t represent people who do&#x2F;don&#x27;t pay back their loans? Um, ok. Silly me for thinking there was some relation between that and the topic under discussion.<p>In any case, I don&#x27;t think you are stupid, I think you are disingenuous. When I ask for you to clarify in unambiguous terms, you refuse. When I attempt to read between the lines, you immediately accuse me of deliberate misrepresentation. What I don&#x27;t understand is what you are trying to accomplish with all this sophistry - clearly no one on HN is fooled.