The Data With regards to the 3.7% CR at 360 days and 450 days respectively , a shareholder friend mentioned that those were not very good results for a CR after a year and thusly he is deterred from increasing his stock position. I could not argue with him and I was at a loss for a explanation as to how the Pending figure should factor into the equation. It seems that I am comfortable with the numbers in my head but I could not seem to explain it in laymans terms if you know what I mean. Does anyone have a simple way to explain this as I seem to have a mind block.?