Whew! Finally, Trump Frees the Bankers From Their Shackles

[Fellow Aspirant]

The American banks have a saviour in the new President, and he has come through for them in the first of his many acts of deregulation.:clapping: Fortunately, he has surrounded himself with lots of Godman Sachs executives to help him know just what to do to let Wall Street run mad in the street once again. Without the GS cronies, it might have taken him TWO weeks to figure out how to cut the chains.

Finally they will be unshackled from the restrictions that have kept them so unfairly hampered in their mission of rampant greed, and they can make America great again. :cash:

Tonight, the sounds of corks popping from the constricting bottlenecks of Moet & Chandon Dom Perignon that will be heard in the boardrooms along Wall Street will be deafening. :highfive:

Here's an excerpt from today's 'Esquire' magazine, written by By Charles P. Pierce.

Feb 3, 2017

WASHINGTON, D.C.—Good morning, suckers.

At 9 a.m. Pacific time, Trump will sign an executive order directing the Treasury secretary to consult with regulators about what needs to be done to fix the Dodd-Frank Wall Street Reform and Consumer Protection Act and report back within "a relatively short period of time," the official said…Trump also will issue a memo to the Labor Department to cease implementation of the retirement advisors rule and undertake a complete review of it. Trump's Labor secretary nominee, Andy Puzder, has yet to have a confirmation hearing…The new restrictions on retirement advisors were set to start being phased in on April 10. Known as the fiduciary rule, it requires investment brokers who handle retirement funds to put their clients' interests ahead of other factors, such as their own compensation or company profits. The Labor Department rule was designed to prevent consumers from being steered toward IRAs and other retirement investments with higher fees or lower returns that benefit the advisors recommending or selling them. The Obama administration estimated that those conflicts of interest cost Americans $17 billion a year.

And, in The Wall Street Journal, Gary Cohn, the administration's senior economic adviser, was more than happy to explain his plan to lift the terrible burden of being honest off the nation's financial sector. Cohn, as it happens, is one of the phalanx of former Goldman Sachs employees with whom the president* plans to drain the swamp. He seems quite comfortable living there, but what do I know.

"Americans are going to have better choices and Americans are going to have better products because we're not going to burden the banks with literally hundreds of billions of dollars of regulatory costs every year," White House National Economic Council Director Gary Cohn said in an interview with The Wall Street Journal. "The banks are going to be able to price product more efficiently and more effectively to consumers."

But it's not about his old company, and his old pals, and the fairly thorough job they did blowing up the world economy eight years ago which, of course, is a century in Banker Time. They have labored under the burden of being marginally honest for far too long.

Asked about the potential political pushback because of his Wall Street past, Mr. Cohn said the administration's goal of deregulating financial markets "has nothing to do with Goldman Sachs."

"It has nothing to do with J.P. Morgan," he said. "It has nothing to do with Citigroup. It has nothing to do with Bank of America. It has to do with being a player in a global market where we should, could and will have a dominant position as long as we don't regulate ourselves out of that." Mr. Cohn said existing regulations put in place by Dodd-Frank are so sweeping that it is too hard for banks to lend, and consumers' choice of financial products is too limited.

link to full article -
http://www.esquire.com/news-politics/politics/news/a52809/trump-financial-deregulation/

B.

P.S. Hang onto your paycheques, folks - you ain't seen nothin' yet!

[turiya]

"[W]hile Trump was quick to begin the process of undoing Dodd Frank - no doubt with the helpful advice of numerous former Goldman bankers standing behind his shoulder - he has yet to make any comments on bringing back Glass Steagall, the one law that would truly protect depositors from runaway banker greed, and mandate yet another taxpayer funded bailout the next time the US banking sector is in need of a bailout." -- ZeroHedge (http://www.zerohedge.com/news/2017-02-03/trump-signs-executive-orders-rolling-back-dodd-frank-fiduciary-rule)

[Fellow Aspirant]

"[W]hile Trump was quick to begin the process of undoing Dodd Frank - no doubt with the helpful advice of numerous former Goldman bankers standing behind his shoulder - he has yet to make any comments on bringing back Glass Steagall, the one law that would truly protect depositors from runaway banker greed, and mandate yet another taxpayer funded bailout the next time the US banking sector is in need of a bailout." -- ZeroHedge (http://www.zerohedge.com/news/2017-02-03/trump-signs-executive-orders-rolling-back-dodd-frank-fiduciary-rule)

Yeah, well, it's early days yet. He may not get to Glass Steagall till next week. Give the hungover bankers a few days to recover.

You know, to clear their heads and apply unguents to their palms that are stinging from all their ferocious high-fiving. :highfive:

B.

[Chester]

"[W]hile Trump was quick to begin the process of undoing Dodd Frank - no doubt with the helpful advice of numerous former Goldman bankers standing behind his shoulder - he has yet to make any comments on bringing back Glass Steagall, the one law that would truly protect depositors from runaway banker greed, and mandate yet another taxpayer funded bailout the next time the US banking sector is in need of a bailout." -- ZeroHedge (http://www.zerohedge.com/news/2017-02-03/trump-signs-executive-orders-rolling-back-dodd-frank-fiduciary-rule)

Yeah, well, it's early days yet. He may not get to Glass Steagall till next week. Give the hungover bankers a few days to recover.


sorta like the sobering up "slap on the face" he gave to Netanyahu today?

EDIT: apologies, Target, for no link... I came upon the info not on the internet and was short of time at that time.

[Helene West]

I wish I could believe that since 2010 passage of Dodd Frank the banks haven't invested depositor money in any hedge funds. I have a hard time believing that. Hedge funds are where the returns are. No risk, no return; big risk, big return... where have they been depositing our money then? in money market funds, lol!

I'd like to hear what someone other than either the bankers or trump haters have to say, like maybe the small business administration, small business owners and entrepreneurs as the EO is supposed to help them as well. Supposedly they can't get loans for their businesses because of Dodd frank.

For anyone who thinks Dodd Frank is a simple 'it makes banks honest', - The Act (Dodd Frank) is categorized into sixteen titles and, by one law firm's count, it requires that regulators create 243 rules, conduct 67 studies, and issue 22 periodic reports." Then there's the "Council" that was created for oversight and in turn the offices the Council created. It's 23,000 pages of regulations. At least the fed government must have hired a lot of people!
I'm not defending the EO, I'm too ignorant of Dodd Frank to know if the EO is good or not. I can't tell from reading if any of Dodd Frank was even enforced, it seems some it is just coming up for implementation after all these years which is strange. It's just hard to find unbiased simple explanations of the pros and cons.

[TargeT]

sorta like the sobering up "slap on the face" he gave to Netanyahu today?

Why would you make that reference with out a link...

Do you want me to go searching for myself??

[turiya]

sorta like the sobering up "slap on the face" he gave to Netanyahu today?

Why would you make that reference with out a link...

Do you want me to go searching for myself??

Here ya go...

Trump Flip-Flops On Israel: Tells Netanyahu, No New Settlements (http://www.zerohedge.com/news/2017-02-02/trump-flip-flops-israel-tells-netanyahu-no-new-settlements)

http://www.zerohedge.com/sites/default/files/imagecache/fp_thumb/images/user3303/imageroot/20170202_trump1.jpg (http://www.zerohedge.com/news/2017-02-02/trump-flip-flops-israel-tells-netanyahu-no-new-settlements)
Having expressed strong support for Israel during his campaign and Obama's lame-duck session, it appears President Trump is shifting gears rather markedly. In a statement issued tonight, The White House commented that "the construction of new settlements or the expansion of existing settlements beyond their current borders may not be helpful in achieving that goal."


Feb 2, 2017 7:26 PM




.

[AutumnW]

Trump, known for being brash and blunt, was uncharacteristically gentle with Israel. He didn't slap Netayahoo in the face. He said, expanding the settlements 'might not be helpful.' Seriously? 'Might not be helpful?' Does that sound a bit weirdly constrained for Trump? Huge red flag. He is treating them with kid gloves.

Watch Israel and Iran and listen to the sabre rattling and you will begin to comprehend that one manufactured enemy is being exchanged for a new one. And the new one, Iran, has been pretty much disarmed, from a nuclear standpoint, through Obama's efforts. Like him, or hate him, Obama disarming Iran, through a carefully negotiated agreement, was a wonderful thing.

I have a sense of impending doom now, with war drums being beaten, and the reforming of old alliances with Israel and antagonism with Iran. The ramifications of trashing a very good nuclear agreement with Iran will be seen by the world as rash and foolhardy. It will also set the stage for a new meme about the U.S not honouring agreements. There will be more focus on comments Trump has made about the benefits of bankruptcy, as it allows the the bankrupt to pay back their loans, cents on the dollar. He made this statement,as far as I remember with reference to the Yankee

I don't know how long it will take but if things continue the way they are, the U.S is going to lose reserve currency status, because confidence in the leadership of the country is required to maintain it.

[AutumnW]

Hmmm...where's Jim Rickards when you need him to comment? LOL. He has been talking up the IMF special drawing rights, backed by gold, replacing the currency cluster**** we are about to walk into. Bill Ryan just posted an article about the chaos that will descend on Europe, come mid March. People are royally pissed at globalists and will vote them out of office. But the sheer confusion and chaos engendered by moving too quickly, makes me shudder. Very much like Russia, post glasnost. Very very scary.

Is it a set up? Has it occurred as a natural progression in a chain of events?

[Helene West]

AutumnW - "...the U.S is going to lose reserve currency status, because confidence in the leadership of the country is required to maintain it."

Disagree with above. The international bankers want one international currency and have planned for the transition way back. When and in what fashion this transition will be (unless the central bankers are ever overthrown), we don't know. But they didn't arrange for trillions in global debt for nothing, it's to eventually dump the U.S. dollar and reset the global economy for one international currency eventually. After WWII they needed the U.S. to be the big swinging d**k for awhile and our currency to be #1 but they don't need the U.S. dollar like they did in past decades.
But to blame the dumping of the dollar, planned decades or maybe even more than a century ago, on Trump, is just more trumphating nonsense.

[AutumnW]

Helene West, Most 'plans' of this nature are a combination of what CAN be planned and the intrusion of unexpected events, called real life. Take anybody you know. Did they, decades ago, have a master plan they managed to stick to? Even the powerful and wealthy are subject to unforeseen events. Whether Trump's arrival on the stage was anticipated, encouraged, created or a big surprise has to remain a question. Nobody can state with authority, that they KNOW for sure. That's nonsensical.

[TargeT]

Whether Trump's arrival on the stage was anticipated, encouraged, created or a big surprise has to remain a question. Nobody can state with authority, that they KNOW for sure. That's nonsensical.

Encouraged, created, planned.

yes, all those, I suppose I can't say I KNOW that... but there are very very few things I can say I KNOW for sure, so that doesn't perturb me at all.

I am very certain (the same certainty that the sun will rise tomorrow) that we got exactly what we were suppose to get, just look at the appointees, basically the cream of the military industrial complex.

[mgray]

Dodd/Frank goes the way of the dodo (http://wp.me/ppklu-Qd). Not sure why President Trump needed to pay homage to Wall Street.

[TargeT]

https://dollarvigilante.com/wp-content/uploads/2017/01/sameowners.jpg

[Helene West]

I think most here know that unless we are freed from the central banks we are serfs.

Dodd frank was a thorn in the side of Goliath. For all we know it could really just have been a gift to barney frank, his day in the sun to shine, before his retirement for all the years of 'gifts' he's given the central bankers throughout his very long tenure, who knows. In ten minutes of checking you start seeing it was another federal giant squid.

Jeff Cox of CNBC - "... big banks have only gotten bigger since the law's implementation, with the Big Four —JPMorgan Chase, Citigroup, Bank of America and Wells Fargo — now controlling about 45 percent of total bank assets." So if it was so good explain that phenomenon...

Also the Fiduciary Rule which is coming up in April which trump wants to remove doesn't sound so hot. Forbes discusses it:
http://www.forbes.com/sites/robertberger/2017/02/03/donald-trump-thumps-fiduciary-rule-heres-what-you-need-to-know/#5cb66ec05fa3

I think it was the automatic knee-jerk trumpphobia aspect of the thread I was reacting to.
As I stated before, I'd like to hear from small business owners and/or the SBA on their opinion. They may give us the most unbiased opinions.

[AutumnW]

MGray,

Why would Trump pay homage to Wall Street? Trump is the big bank's guy. He will do everything he can to make sure they profit even more -- as Helene West has described in her post above.

[Chester]

From my understanding, post Dodd-Frank, big banks profited and horded those profits (instead of making many viable small business loans), small banks... those that were not forced out of business (because of the onerous regulations where they could hardly make or had to stop making small loans to small business, will no be able to do so. Those that are left may actually have a chance to survive and even thrive. These are the small local banks who are found in various communities but whose loan officers, vice presidents, presidents and owners have breakfast with these same small business operators at the local diner, see them at church or at town events... the ones that they can count on to pay back their loans, especially if Trump is allowed to turn the US economy around. We shall see if the central bankers pretend there's inflation as an excuse to jack the rates at a rate that disrupts a lasting recovery.

[AutumnW]

Sam, as soon as the small banks do well, they will be incorporated into the greater Borg of the larger banks, in wave after wave of mergers and acquisitions. The Dodd Frank gutting is being sold as a gift to the little guy, but don't kid yourself!

[Chester]

Hi Autumn, Ok, but this is opinion... and hey, I value opinion, especially the opinion of a few sports bettors I know as I allow my own sports betting opinion to be influenced by theirs because of their track record.

Now if I understand things correctly, there has always been mergers and acquisitions and then there's anti-trust laws that sometimes come into play. But there's nothing new about that. Small businesses have been hurt the worst by actions taken in the last eight years and in fact actions that date further back. How many small business owners have folks talked with? I have talked with many. Guess what the biggest killer of all was? Obamacare. Cut the legs right out from under those business that were growing and approaching 50 employees. I know two owners (one is an individual and the other a family) who shared with me their nightmare story.

And guess what one of them said? He had negotiated a contract that would cause him to expand to well over that 50 number and yet, when he did the numbers as to what the premiums would do to him, he was forced to hire folks as part timers which meant he got less qualified and more importantly, exhausted employees (he has a home foundation laying business) who impacted the quality of work he produced such that he hired repair crews just to fix their mistakes. All three of my sons work for this company. My youngest son is barely able to survive on his wages which are low in part due to the competition from undocumented workers.

All this stuff is related - Obamacare, the allowance of undocumented (non tax paying) competition, onerous banking regulations that have strangled small business owners because they can't get loans when a good deal comes their way and they need a little capital.

This is real world stuff going on here in the US and I am 59 years old and know for a fact this was not the way it was here in the US most of my life. That he defeated the MSM is one of the most amazing things I ever experienced yet, when I consider all the testimony I have heard (thus first hand from the mouth I heard it from) and then consider my own experience, it was a pure no brainer that Trump won... as long as the voting machines were not fixed which I was certain they would be.

My only concern is, how was that avoided or "changed" at the last minute? Good guy white hats (if there really are any), evil PTBs who saw another path through Trump that would achieve their goals, Divine Intervention or... perhaps somehow there were enough folks that voted Trump (where that vote was honestly counted) that overcame all the cheating? (probably naive but this last one would be my desire to be true).

[mgray]

MGray,

Why would Trump pay homage to Wall Street? Trump is the big bank's guy. He will do everything he can to make sure they profit even more -- as Helene West has described in her post above.

I understand what Helene and you are saying Autumn, however Trump holds no allegiance to Wall St. His bank on deals was Deutsche Bank for that very reason. He was an outsider in NYC when it came to the wall St. crowds. No board seats on their charities, very little contributions to his campaign.

He campaigned against the Wall St to Main St.

So for him to move on this so quickly, it shows a change in how he is operating. Essentially he sold out on this, which is probably not the only time he will do this.

I'm not disillusioned or surprised. I just thought he would have a different plan, than a rollback on regulations.

I believe the Fiduciary Rule rollback is good. This will save jobs, which would have been lost to computer (robo) advisers.

[Foxie Loxie]

Love the new picture, mgray! :sun:

[AutumnW]

Sam, I am appalled by Obamacare, for MANY different reasons. Without the universal option, this kind of plan can't work. It places too much pressure on small business. The universal option would require a true cutback in military spending, with those funds devoted to healthcare or it would have been too expensive. And...universality's base requirement is that it operates like an HMO, putting the brakes on overspending by those paid by the govt. That is necessary but very hard to do.

The efficiency model has caused many problems in Britain. I think too, Canadian provinces are adopting some of the worst aspects of this model and casting their net too far and wide. They seem to be rightfully trying to get people out of the hospital ASAP, but in so doing, they are turfing people out of the hospital far too early now and risking lives. Also, the wait for surgery now encompass even those with cancer, allowing it to spread, in some cases. Waiting up to 2 years for surgery, used to be confined to bad knees,etc...Not anymore. I am seriously considering moving to Costa Rica!

[Chester]

Sam, I am appalled by Obamacare, for MANY different reasons. Without the universal option, this kind of plan can't work. It places too much pressure on small business. The universal option would require a true cutback in military spending, with those funds devoted to healthcare or it would have been too expensive. And...universality's base requirement is that it operates like an HMO, putting the brakes on overspending by those paid by the govt. That is necessary but very hard to do.

The efficiency model has caused many problems in Britain. I think too, Canadian provinces are adopting some of the worst aspects of this model and casting their net too far and wide. They seem to be rightfully trying to get people out of the hospital ASAP, but in so doing, they are turfing people out of the hospital far too early now and risking lives. Also, the wait for surgery now encompass even those with cancer, allowing it to spread, in some cases. Waiting up to 2 years for surgery, used to be confined to bad knees,etc...Not anymore. I am seriously considering moving to Costa Rica!

It is pretty clear even to an outsider like me that Obamacare was meant to fail BUT that there was the belief that the next minion would have been Hillary who would have solved the matter by pushing for single payer. If the repubs in the house and senate did not go along, she would have allowed the collapse and then blamed it on the repubs when it came to re-election time.

It didn't work.

As for Costa Rica, I have shared this story in detail on PA before, but in 2006 I was in the UK at a time I was the sole custodial parent of my three sons. We all lived in Costa Rica at that time. So anyways, Anthony, my second oldest of three sons (around age 12 at the time) experienced some serious "stomach pains" but tried to play tough. I suddenly got a call from Rafael (the driver and the one who watched over my sons while I was away) who told me he believed Anthony had to go to the hospital as the matter seemed serious.

He had no legal authorization to act for my son yet he was able to get my son to the hospital and guess what? My son had an exploded appendix and needed immediate surgery. Again, without authorization, they got him into surgery and saved my sons life.

The bill was $750 for the hospital (surgery and recovery) and $750 for the surgeon who did the emergency procedure. Later I did get a bill from the anesthesiologist too (which I did not mention before) for a few hundred bucks (I cannot recall the exact amount).

Everything was done professionally and my son's life was saved. I later researched what the cost would have been in the US at that time. I saw estimates ranging from $20,000 to $30,000. And imagine if I had been in the UK and no one in the states had authorization to sign for my son? He may very well have died on the table awaiting legal clearance.

[DNA]

Dodd/Frank goes the way of the dodo (http://wp.me/ppklu-Qd). Not sure why President Trump needed to pay homage to Wall Street.


Actually no mgray. Dodd/Frank was a wallstreet creation meant to make it more difficult for small community banks to give small business loans. Dodd/Frank was a huge benfit for wallstreet and a pain in the a$$ for mainstreet.
NYTimes Dodd/Frank hurting community banks
http://www.nytimes.com/roomfordebate/2016/04/14/has-dodd-frank-eliminated-the-dangers-in-the-banking-system/dodd-frank-is-hurting-community-banks
Forbes.com Dodd/Frank Killing community banks.
http://www.forbes.com/sites/carriesheffield/2015/02/09/dodd-frank-is-killing-community-banks/#41667c045ca4


Also, remember, Trump killed the TPP. He killed it right out the gate. TPP was the child of Goldman Sachs - JP Morgan CHASE and they wanted this soooooooooo bad. If this would have been all they had gotten for their money they so eagerly gave to Hillary than they would have been satisfied, but no TRUMP killed it.


For folks to think Trump is all about helping the banking elite, people need to start doing some research, and for Gods sake, if you can't filter out CNN and prevent it from entering your brain like a cockroach then do yourself a favor and stop watching it.

[BMJ]

Also, remember, Trump killed the TPP. He killed it right out the gate. TPP was the child of Goldman Sachs - JP Morgan CHASE and they wanted this soooooooooo bad. If this would have been all they had gotten for their money they so eagerly gave to Hillary than they would have been satisfied, but no TRUMP killed it.

For folks to think Trump is all about helping the banking elite, people need to start doing some research, and for Gods sake, if you can't filter out CNN and prevent it from entering your brain like a cockroach then do yourself a favor and stop watching it.

Thanks DNA, that is a very important statement.

The Don has picked people that can get the job done "regardless" of their previous employ.

People need to focus on the results and the direction he is taking.

And understand results will not materialize overnight, because The Don needs to dismantle these corrupt systems and create constructive systems that work as he has promised.

[Chester]

For folks to think Trump is all about helping the banking elite, people need to start doing some research, and for Gods sake, if you can't filter out CNN and prevent it from entering your brain like a cockroach then do yourself a favor and stop watching it.

Even if people are skeptical... most still have to know, at least deep down, the (most likely) final death blow we all (the world is included in the "all") would have experienced had the other candidate won... so knowing this, how the heck can people not at least give the freaking guy and his administration a chance??? Don't our children matter? Don't their children matter?

For example, in the last 48 hours it has come to the light of the world that the US Obama administration intentionally avoided (thus intentionally ignored) the information being brought forth by a high placed NOAA whistle blower who testified before Congress that...

Federal scientist cooked climate change books ahead of Obama presentation, whistle blower charges

read here (http://www.foxnews.com/science/2017/02/07/federal-scientist-cooked-climate-change-books-ahead-obama-presentation-whistle-blower-charges.html)

can't folks "get it?"

can't folks see how the final hammer was poised to be dropped???

Mind blowing so many otherwise caring and intelligent folks won't at least stop all with all the unhingement and at least try and give this guy and his staff a chance.

great post DNA - YES! stop watching it too... if you wish to withdraw from a drug, don't have it in your house.

[AutumnW]

Sam, I am appalled by Obamacare, for MANY different reasons. Without the universal option, this kind of plan can't work. It places too much pressure on small business. The universal option would require a true cutback in military spending, with those funds devoted to healthcare or it would have been too expensive. And...universality's base requirement is that it operates like an HMO, putting the brakes on overspending by those paid by the govt. That is necessary but very hard to do.

The efficiency model has caused many problems in Britain. I think too, Canadian provinces are adopting some of the worst aspects of this model and casting their net too far and wide. They seem to be rightfully trying to get people out of the hospital ASAP, but in so doing, they are turfing people out of the hospital far too early now and risking lives. Also, the wait for surgery now encompass even those with cancer, allowing it to spread, in some cases. Waiting up to 2 years for surgery, used to be confined to bad knees,etc...Not anymore. I am seriously considering moving to Costa Rica!

It is pretty clear even to an outsider like me that Obamacare was meant to fail BUT that there was the belief that the next minion would have been Hillary who would have solved the matter by pushing for single payer. If the repubs in the house and senate did not go along, she would have allowed the collapse and then blamed it on the repubs when it came to re-election time.

It didn't work.

As for Costa Rica, I have shared this story in detail on PA before, but in 2006 I was in the UK at a time I was the sole custodial parent of my three sons. We all lived in Costa Rica at that time. So anyways, Anthony, my second oldest of three sons (around age 12 at the time) experienced some serious "stomach pains" but tried to play tough. I suddenly got a call from Rafael (the driver and the one who watched over my sons while I was away) who told me he believed Anthony had to go to the hospital as the matter seemed serious.

He had no legal authorization to act for my son yet he was able to get my son to the hospital and guess what? My son had an exploded appendix and needed immediate surgery. Again, without authorization, they got him into surgery and saved my sons life.

The bill was $750 for the hospital (surgery and recovery) and $750 for the surgeon who did the emergency procedure. Later I did get a bill from the anesthesiologist too (which I did not mention before) for a few hundred bucks (I cannot recall the exact amount).

Everything was done professionally and my son's life was saved. I later researched what the cost would have been in the US at that time. I saw estimates ranging from $20,000 to $30,000. And imagine if I had been in the UK and no one in the states had authorization to sign for my son? He may very well have died on the table awaiting legal clearance.

Amazing! Are you still loving in Costa Rica? Is it difficult to go through the immigration process at 60 years of age??

[Chester]

Amazing! Are you still loving in Costa Rica? Is it difficult to go through the immigration process at 60 years of age??

No, I am loving in Dallas, Texas, USA where my wife just joined me after just completing our three year immigration process. She's from Colombia and we have been married over 14 years.

We started the immigration process to the US in January, 2014. She was granted the Visa almost three years later (October, 2016) and arrived on January 13, 2017. So I am very much loving again. I am also living in Dallas. I loved what I am guessing was your typo as it was actually quite fitting.

I will soon be posting my immigration story... quite an ordeal.