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I feel we just took a giant step back with this. Now you think I need a principles lesson on definitions. LOL. When you can show me mathematically how it's possible to have a high credit score with no desire to carry any credit...get back to me.

Ok. I just saw a bunch of cash that was going to stores that had bad operating margins close and as a result their free cash flow really increased. Which made profits look really high. Once that capital gets reallocated, it should go back down to the historical trended average.

Did you actually do the financial statement analysis required to determine that? Operating costs are through the roof right now for nearly every company.

You may be the only person I know that is afraid to pass along operating costs. If you want to stay in business, you bet get comfortable with that. What you should be cautious about is passing along high profit margins.

I'm going to just leave this here. I'll state this again...if you have no credit amounts owed, no new credit, have no credit mix, the best you can get is 50% of a formulated score. It's mathematically impossible to have a high score when you don't have those areas contributing to the...

Let me give you some business advice... Explicitly state the need for an increase. I tell my people to qualify it and quantify it. Make a reasonable adjustment that is indicative of the current market. They will pay it. When I set premium rates for these large clients with high dollar...

Credit scores are based on a weighted average of factorized variables. One of the biggest factors is history. They want to see a pattern of timely payments. You get heavily dinged for having no history. Another heavily weighed factor is a available credit to income ratio. If you carry...

You better make sure you're stuff is in order before proceeding. Over confidence is a he'll of a drug.

Thanks

me too...

Close down the cabin; drain the water lines and close the shutters. Buy ski season passes. Get the skis and snowboards waxed up. Put snow tires on the truck and landcruiser. Blow out the sprinkler system. Done.

You have no activity of credit. It's like you ignored the "as long as you have some activity on your credit" You're all cash.

That's not how it works. Everyone on planet earth would have good credit by those metrics on their own self worth.

No humble bragging. (y)

Pat yourself on the back....but it's not hard to what you do. A lot of us do it. Also..if you haven't had a loan in 20 years...you have no credit. I would like to be proved wrong on that though... :)

Debt free is the way to go. Not arguing that. Managing debt to obtain cheap credit to pounce on investment opportunities that doesn't require selling income producing assets is much better than the Dave Ramsey way...

LOL...

More than interest goes into the standard deduction...which when combined with other deductions, makes that interest write off glorious in a raising rate environment.

which makes it impossible to have a good credit score...

It's never about how much you make, it's about how much you save.

Because you get to write off the interest. Duh. You get to write off interest on mortgages, interest on investment properties, student loan interest, business credit card interest etc...

Don't pay off a credit card in full each month, leave some balance. Building credit costs money and if you pay off a card each month, you're not building credit. You need to have some credit outstanding to build credit. Dave Ramsey has actually made a lot of people dumb... The better way to...

Don't worry just blame it on me...I'll take the banning. I'm already semi-banned.

The consumer is holding up. Prices will come down when the consumer stops buying. That probably won't be until 2023 sometime. People still have access to credit, and are using it to fill the gaps now. Once that credit is maxed out, activity stalls and we go down and fast. That also means...

Pay it. Charge more. This is not hard to understand.

Nice...

Woman have taken over the corporate world. It isn't happening, it's happened. There are some good things and bad things that come with that. The one big downside is woman let feelings get in the way of professional relationships and they are vengeful. Woman are the worst to other woman.

We have an entire generation that has daddy issues for both men and woman. They even freely admit it. Don't be naive that it's just they don't want to get the skills required for good paying jobs.

There are some good young workers and there are some really crappy workers. Woman are quickly dominating the corporate workforce. Our men our struggling. It seems the ones raised by single mothers are bearing the brunt of their situations. They just don't know how to work anymore nor are they...

I hear there are 1.5 million real estate agents about ready to get back into the workforce... :ROFLMAO:

Out checking fence lines....One of his favorite activities.

I use mine everyday. One cup and I'm on my way or out the Door.

Checks out...

You kind of did though. Asking why haven't small gas motors been put on sub compacts. You don't have to explicitly write in line to mean inline motors. I don't hate on in line motors, I own some. I hated on the fan fanboism.

Compression ratio doesn't change, air and fuel are scaled up with demand to keep compression constant. Cylinder pressures are higher, the 6 bolt mains supporting a girdle seems to be holding up, even on hot tunes.

The tech has been out 10 years... Plus, you beat the drum on inline simplicity. Why would they discard simply for tech totally out of their wheelhouse...

There is a replacement for displacement and it's called turbo psi. At 14.7 psi, it will double the displacement of a motor. A 3.5 ecoboost at 14.7 psi is equivalent to a 7 liter NA engine.

It's silly to put a 3.5 ecoboost in a 250/350 truck. There is not enough displacement for that application. It would be better on a 5.0 type motor. If you can get over head cams with vvt, twin turbos and all the ecoboost bottom end upgrades...that would be a awesome motor. My better half...

A v8 has more rpm range. Rpms are a factor in both torque and hp.

The demand for housing is still present. The ratios lenders use to loan money to people have changed dramatically with raising interest rates. Lenders can't loan out enough money to people now that there are still high housing costs and high lending costs. Their incomes can not support that...

Cost of capital is not the same as an interest rate... two different things.

When does the dark money hit my account?

are you trying to tell me the middle east was never a jungle that produced all those dead fossils that now producing an economy in a desert? The artic use to be a lush jungle that is now ice and surprisingly has lots of dead fossils because of it. The earth is not a static weather environment...

you're missing all the other natural events that release greenhouse gases that get glossed over, and only the burning of fossil fuels are highlighted and called threats. if you're going to be a climate crusader...be a climate crusader and denounce it all...including the amount of fossil fuels...

How do you square up your take on things when you exhale Co2 and methane daily. Is the atmosphere so fragile that any form of carbon release is considered bad? this is where arguing in absolutes gets you into trouble. never argue in absolute terms...

It's not attitude, it's reality. I suggest you intertwine some into your lexicon.

No matter what man does...our star will eventually turn into a white dwarft star and vaporize earth. Future generations be dammed.

Did you happen to see the price of oil the past year? Are you suggesting price has no correlation to profits. I bet when the price of oil goes down, so will the profits. -The most well educated of our society.

Ice is great about keeping CO2 locked away. Neat graph though...I'm sure many bad arguments have been made from it.

Your going to have to pull the hydraulic strainer and see if it's plugged up.

I still have it...

i don't think you need to change a thing.

I, like you wanted an open fireplace for the ambience for our place in Steamboat. If you research good fireplaces, the rumsford style is at the top of the list. They now sell kits to make this happen. You will still have to do some masonry stuff, but they work awesome. The draft is what...

It's funny what bugs some people. This should be in the OCD thread. I find none of your complainants actual forms of trolling...

If you're on the internet...you're on google. The sooner you get use to it, the sooner you can move on and live your life. And FYI, Safari is just as bad as google. Until web three comes along...you have no choice.

My company is one of the few that still offers a full pension, healthcare for life, and a contribution to a 401k at 5%. Retirees live well... We have had so much turn over in the past two years it's unbelievable. Inflation is causing this. Younger people are chasing marginal gains in salary...

My buddy built a green house using geothermal as a heat/cool source. He ran loops of pipe about 5 feet down that goes into a large 1500 gallon open water tank in the greenhouse. It creates a huge heat/cold sink that regulates the temperature in the greenhouse to a constant temperature, while...

We go to a Himalayan restaurant that serves the best butter chicken, tandoori meats and nan bread. So good. The old lady loves curry stuff...me not so much. I pick off her plate for a taste and still have trouble liking it.

I employ nothing but math majors and none of them can spell. None of them, but they are good with grammar. It's so bad, they have to give all their write ups to a secretary so she can write coherent things. Our brains are not wired to spell...

Obviously you never met a math major...

You were just humble bragging on here a week ago how stacked your asset collection is...to now complaining about it's too expensive to eat healthy. Weird times...

Highly processed seed oils are so bad for you. The fat polymers are almost like plastic after they refine them. Butter and lard are much better for you...if you need a high temp oil, use avacado oil. The good stuff, not the cheap cut stuff. My god, I sound like the old lady.

I don't think ISP drop email addresses just because you switch to a new ISP. I still give out my AOL email even through I haven't used them in over 20 years.

There you go...you figured it out.

When I have more time, I'm going to start a thread on bitcoin. What it is, and it's pluses and minuses. It took me over a year of studying to understand it. It's a very complex space... I will also say, my exposure to bitcoin is modest.

Also...never assume you know all things with blanket statements.

Never argue in absolute terms...it may get you.

I know who took it to be processed, but you implied something else. You implied we sold high and can now buy cheap (low). That means we bought for x, sold for Y and can get more barrels than we paid for x at the time. How are you concluding this?

Because the timber was just harvested...

I don't think crop producing farmland is equal to timber or even just rangeland...

who did we sell our own SPR to?

Don't worry, hurricane season is just around the corner. Couple that with no SPR because we drained it, we might see some high fall gas prices yet.

A colleague in NY just bought 500 acres of woodland in northern NH for 300/acre. That same land in Wyoming would be 3-4k per acre. Land out west is more expensive by factors of 10-15x.

That may be true, but math also works in the risk/reward formula as well. If you can afford to risk, $10 for a remote chance of winning 300million...that math check out.

I would go pay off all the nursing home debt the less fortunate seniors have. After seeing what a racket that game is, people work their whole lives to loose it all to a nursing home. Then some random foster care families will get some loot. After that, it's going to animal shelters. I...

No-one got screwed over on bitcoin. all the people that bought shitcoins got screwed. Specifically the ones that left their coins on the , luna, 3 arrows capital, and Celsius networks. Always self custody your difi. Not your tokens, not your coins.

You want my opinion?

I just have him cut around the house, the sides of the long road to the house, and around the lake. It's right around 35 acres. My neighbor that runs the cattle is responsible for haying the meadows.

I pay 35/acre for field mowing. It's fair for both of us....

There are many ways to go about this. Self insure with excess loss reinsurance is probably going to be the best way. To fully insure a property in todays market, an insurance company would have to have such high premiums that it would be unaffordable. Like my Ranch... I self insure the...

Our judicial system is a hamster wheel of dysfunction. We were much better off when we had higher incarceration rates. Sorry, but true. Therefore we need to build a lot more prisons and fill them up. If we as a society become complicit to crime, there will be a point we get shot with our...

Nice guys finish last. Those that learn this in High School are much further along in the game of life than those that learn this later in life. -Snobdds

These people coming off a lease are in for a huge surprise with the interest rates where they're at.

Steve... are you still alive?

Have we met? Are you the guy with the purple hair, that carries the sign around from Toledo?

There is more data by a multiple of 10 in the first picture than the second...otherwise great point.

Maybe to you they are gobbledeegook, but to more seasoned people they're not. Pro tip...never document your ignorance.

Some of you have issues... My dad was very OCD on things, which naturally made me have no OCD on anything. It drives my OCD wife nuts that nothing bothers me.

I was wondering when this point was going to surface. Yes, the fact there is one planet that has defied the odds and supports life makes the statistical case that there are other planets out there that can also support life. No-one can argue against that simple exercise in probability, but...

Understanding the deflection of light through a prism forms the entire base knowledge of astrophysics. It seems to be producing already.

The JWT is more about deciphering the chemical make up of galaxies and to a lesser extent planets, more than anything else.

This sounds really exciting until you realize you're looking back at hundreds of thousands of years and we have no idea if the entire orbit is in the life zone. orbits are super important to understand and one of the hardest to confirm.

We only know life to live and thrive a specific distance from a star, due to temperatures needed to support life. Not saying it's impossible, but having a planet evolve like ours did with other planets affecting gravitational pull to have a specific orbit is not likely to be replicated. Other...

The housing market has cooled, but so far has not retracted...YET. Plus, agents are still pricing housing like 2021. Reality hasn't hit the agents yet.

Have you asked yourself, why are there so many cash sales? In reality, they are not cash sales, they just appear that way. The answer is because so many people have used a new financial tool where banks are lending money to people that put their entire asset portfolio as collateral, including...

Is this a post paid for by stihl?

I much prefer these mini trucks. Tough as nails and never break. We took them up to the cabin last week. They just go and go anywhere at that.

I use this stuff...works well.

I have a blaze king in my house as I only burn really seasoned wood due to the catalytic converter. I use a Jotul at my cabin with reburn tubes as it better tolerates less than ideal wood, but it's still seasoned. Both brands are awesome, but EPA stoves need dry wood.

Another water in the fuel tragedy. Water and high pressure common rail diesels do not mix. Filter your fuel and make sure it has a water block in the filter media.

People roll the dice using slip tanks for their common rail diesels. High pressure fuel pumps hate water. I agree in putting in a racor water separator on the tractor and a filter with a water separator on the tank. Bad fuel has taken out a lot of trucks and tractors.

In 20 years, all your easy to get oil and gas will be long gone. It dosen't last forever. We have one of the largest gas fields in the US and it is starting to suffer from high cost extraction. Wyoming only has about 150 years left of coal at the current pace. That should bridge any gaps...

It was snide, but it was warranted by the fact you are ignoring the entire leasing, exploration, drilling, and transportation of NG as well. I'm sure that a minor oversight on your part. Most gas is produced away from pipelines and must be trucked to the pipeline before it can go down the...

Never in the history of mankind has NG been cheaper than coal. I don't how else to put it nicely, but like the old saying goes. There is a sucker born every minute.

Dare I ask...do you believe that?

You're high and not right.

I watch futures and derivative markets. The Cushing OK oil depot has a minimum throughput of 20MM barrels operating capacity to push the oil through the pipelines. They are only currently processing 21.5MM barrels. This throughput has never been this close before. When California wants...

This reads like a boomer manifesto to technology. You are right, nothing is ever free. Nor are good phone, email, and data plans. With t mobile, you are the product.

How is a chainsaw that is only marginally more expensive than other chainsaws used for firewood a good example of cost/benefit of a tractor purchase that far exceeds the $200 you paid for a better chain saw. A non sequitur was the most pleasant term I could find that didn't insult the horrible...

yes they are monetary, in the fact you didn't have to pay someone to do it for you. Saving money is a benefit in every part of the country I've visited, hopefully it is in Ohio too. You're stihl story is a non sequitur.

Sure it's simple, don't make it hard. Don't bog yourself down with trivial details like what tractor moved more gravel in a pile? The pile is gone and your benefit is not having to pay someone else to do it. If you have two tractors, you must have enough work for two. You just have to...

Why are you only focusing on cost. Where is the benefits to the equation that then result in a net value. In your little example, it costs 1,500, but the benefit might bring in 5k. So the tractor never actually cost you anything. Even with inflation, your ahead. In business we have formulas...

I enjoy cutting firewood. Since 2006 when the pine beatle went through Wyoming, I have cut down hundreds of Pine trees. I needed an outlet to get rid of this wood. Putting in fireplaces everywhere I could was my answer. It dosen't make economic sense to burn it. But something about wood...

Nice.

palladium. It's not like you can just dig it up. Most of it goes into catalysts like catalytic converters. I have heard meth heads do a good job of mining the US supply of it anyways.

No, that is my term given to them. A hoarder is someone that has no use for an obscure item at the time and only hopes to use it in the future. I have no issue collecting fasteners nor tools. The problem I see is people collecting stuff to the point of displacing the collector. How many...

I bet all you hoarders have children that despise the habit.

This is actually my place in Steamboat Colorado.

I can't believe momma let me get this close...

Your passive aggressive sarcasm needs work. Leave that to us professionals. And don't report me. I'm sure Moss is getting sick of removing my post with you.

I love that you think finance companies are generous and give out free money and credit just because of a good credit score. America is dependent upon you to keep the gears turning.

You're getting the players mixed up. A lender can not loan out money at 0% interest because they won't be a lender for long. A manufacture can absorb the loss of 0% financing as they can raise the price of a vehicle to buy down the back end interest. That is why zero percent loans on the same...

I'm convinced there are people out there that really think 0% means they give you the truck/tractor for no financing costs. America is dumb.

Prices may come down some, but I wouldn't count on a huge decrease. The destruction in supply chains are keeping prices elevated. This is such uncharted territory even for seasoned professionals. Nobody knows for sure what the next few years will brings.

I have been bombarded with advertisements saying this same stuff lately... Are you a bot? Do we need to verify you are a real human?

It's not going to get any cheaper... Lumber might be down, but PVC, wire, appliances are all still high. Lock in a price and bite the bullet.

Those $300,000 houses that were just $180,000 a few years ago...need the 40% correction. For the first time ever this past Friday, there were no buyers of the Fed's mortgage backed securities bundle. The market does not want anything to do with housing right now. It's amazing that in just 2...

The people that bought in the past 2 years at high prices and low interest rates are now locked in for life. The will never be able to sell above what they bought it for and the low interest rates will never been seen for a long while. This is what we call dead money or zombie home owners...

Growing up on a large ranch, I had a .22 and a 4 wheeler. There was no safe fox or coyote. I use to build hay forts on a bluff overlooking the meadows and kept the vermin population down. I got so good sniping with a .22 bolt action single shot rifle. Even if you take them all out, others...

We have giant trees at our place, the old lady will not let me cut them down. We have tried every possible solution from just leaving them open to the leaf filter route. They all have not lived up to expectations. The mesh filters are about the worst for actual gutter performance. The wide...

Which is good...California can have all the vagrancy it has created and catered too...

Jim Jones would be jealous of the green revolution and it's believers.

Do you believe it? And when do all the power plants shut down?

I wonder how they came to the 28,000 year conclusion. It's like they drew numbers out of a hat and went with the biggest one.

It turns out that centuries of our ancestors using marijuana has created THC receptor's in our body that...shockingly, want THC to bind to regulate body functions. Once of which is how the body grows cancer cells.

When copy and paste looses it's effect.

I have guys that work for me that study the relationship between genes and health. Genes play a bigger role than we thought even just 5 years ago. Take a look at your parents and grandparents...you will probably die of something similar to them, independent of environmental factors. Also...

Here is an article about the same thing. Notice anything different? It's not that they have been sitting on inventory, they are sitting on a lot of inventory no-one is buying. Just a slight difference. I once heard a wise man say, you are a product of your news. Well...some news is...

Yes and no. We have an abundance of mineral wealth. The royalties pay for a lot of the state budget. We also had a smart legislative branch that set up a permanent mineral trust fund that has grown to hundred of billions of dollars that is designed to make up the difference when commodity...

I don't read the rules so I can claim ignorance. It's really the only set of rules I follow.

They doubled the standard deduction to prevent itemizing all the questionable write-offs. In 2025 when the 2018 tax bill sunsets...I bet your taxes go up. Lets revisit this then...so I can say, I told you so.

lol...Just stop posting...I know two year old's that can better reason than you can. You probably have solar and still suffer still when the power goes out. Brilliant.

Which again is not true... You keep trying to paint a picture, but it's always wrong.

Cut compression first and then the tension side. It will drop right down. Be on the high side of the tree and gravity will take it to the low side.

Focus... and how does this relate to the tax cuts you railing against?

Larry might be a little old, but don't make fun of him.

Larry, I see you don't understand how targeted tax cuts work....then you try to draw parallels to the 60's, which is crazy because nothing is even remotely close. Educate your self...

Did you still that idea from my post?

How do they convert Dc to AC without dumping it into a storage vehicle to then allow an inverter to do a conversion. You can't have direct DC to AC...impossible.

Solar arrays usually have a battery bank, in fact they all do. I have yet to see a direct to inverter from a solar array type set up.

Why do you think Banks only have to pay 1% for CD's? It's because they don't have to compete for your deposits anymore so they can loan that money out. They can just get stupid cheap money from the Fed and loan this printed money out for way less hassle. Long gone are the days of the bank...

Well the problem is multi faceted. We have high .gov debt and a lot of leverage on assets due to long term low interest rates. It is also well understood that to bring down inflation, interest rates need to be higher than the inflation rate. So knowing that... Since we have around 30+ trillion...

I did the math one day and it would take 21, 1,000 watt solar arrays to charge a normal tesla battery each night. That is a lot of roof space or land needed to produce that much watts...

The give away for me was the quick ability to start right back up. On the hose going from the tank to the filter, blow some air through the line to make sure there are no restrictions.

Yeah it's different. But maybe that is normal. The climate has never been static, so I think as long as it keeps changing...that is actually a good thing.

That is obvious. We were talking about how do you prove, without DNA, that the cow you took in was the same cow you walk out with.

and?

You don't need a degree to have some common sense. Is your google broken. This is from your own employer... "In addition to multi-millennial glacial and interglacial cycles, there are shorter cold-warm cycles that occur on approximately 200 to 1,500 year time scales."...

That means absolutely nothing without context.

Well if you define climate as changing every 25 years, Yeah...there is climate change. If you define it as changing every 100 years, the change is a lot less pronounced. And now you know the secret behind climate change. It's not that the climate is really changing all that much, it's just...

define your definition of long term?

the only thing that will prevent a crash in the housing market is supply. If the supply is kept low, then prices can't fall much. If supply increases...housing will fall like a rock. The hedge funds that scooped up all the housing is the wild card. Hedge funds need to return a good profit...

Oil companies will have some good short term profits as the price for oil sold today is high and the cost to drill some of these producing wells were done when inflation/prices were lower. Then factor in the lag time of quarterly earnings, we might have one more quarter of decent earnings...

The fed back then did not do the new financial engineering stuff they do today. Paul Volcker just did the fundamental thing they teach in econ 101...that is to get interest rates higher than the inflation rate. With gas and diesel making new highs each day...inflation is going to rage for a...

shady area confirmed...

June starts the fed policy of quantitative tightening. The fed has never had to do this before. If your paying attention, it means the money supply got way out of control. They are basically forcing banks to pull money out of circulation that otherwise would be loaned out and parking those...

They have been regulated for decades at this point...what can they possibly improve on?

There is climate and then is weather. Is the climate changing or is the weather changing?

That is why there are captions and role players... We're just putting people in their appropriate roles...

Then he gets obstinance and tries the old... REEEEED it aGGGGGGin REEEEl sloooooly schtick.

I'm beginning to think you're embarrassed of the price or ashamed.

You know what the funny thing is...unless you do it yourself, there is not a person around that can prove or disprove otherwise. It's all a honesty and integrity game.

Do you go into a store and the receipt say...variable? Variable refers to the difference in prices multiple people pay, but at the end of the day, one person only has one cost. So again...what are your costs?

you left out the costs.

It case it wasn't obvious...your defensive posture was the ego that got hit.

someone's ego got hit right in the sweet spot.

awful? There is a lot of money out there floating around looking for a home. Make hay when the weather is right. I figured you could relate to that metaphor.

Damn, you must live in a shady area where everyone is out is screw everyone over.

There is not one public utility monopoly in the US. Every utility is owned and governed by a joint powers board where both company and state stake holders make recommendations to a utility commission. The commission then decides on everything from capital expenditures to rate increases. Your...

Backflowing the grid is a point of contention between solar owners and power grids. On one hand it sounds great, the other hand is saying don't forget the details. The solar owners want to sell back at the same rate they pay for the power. The grid owner(s) give you a fraction on the rate...

Getting specifics out of you is like pulling teeth. BTW...nice European data.

So you think there is enough excess solar and wind generation to convert DC to AC using inverters to back stop the grid?

I stopped watching youtube videos that make someone else's point a long time ago. I don't necessarily disagree that EV's are a scam to capitalize on climate change panic, but at the same time, the US is the cleanest it's ever been on a per capita basis. If you think big bad corps pollute in the...

Kind of what I figured. It's easier to blame a straw man like "big Corporations" than actually have a specific point of blame.

It might be $4/lb to raise, but then you have processing on top of that, so your cost is around 6-6.5 I suppose. I get a free cow each year from my neighbor that runs cattle on my land. It costs me around $2.5/lb to process.

could you please point me where I can find all these large corporations doing all this polluting that the government just turns a blind eye too... I'll wait.

what a post...

I buy the stocks that Nancy Pelosi buys. She is heavily invested in EV's and pushes a lot of friendly EV legislation. It's a pump and dump and I'm here for it. So go and buy those EV's...

I think it's a fuel issue too. Something is restricting flow. Start with fuel filters, then go from there.

My wife bought a new Mercedes SUV around 2013 or so, coming from a Toyota Landcruiser. She traveled quite a bit with it and it only had 40K miles on it. That thing was a POS from the start. Sensor problems, power steering going out, brakes, it was a nightmare. It had gobs of power and she...

Why can't I ever get salesman like that. I'm the opposite...I hate when salesman hovers over you and tries and offer up some unique feature for every part of the machine. I buy my trucks for a guy that hands me the keys and lets me qualify it myself.

I had a friend who's family were dairy farmers. They would bring in saw dust by the truck load to use as bedding. They would just dump it in huge piles under cover. They never worried about it combusting. They would just continue to spread saw dust in the barns until there was about a foot...

What ever dosen't kill you, will only make you stronger.

I still use my ms361, which of all my saws, I consider the best all around.

what an overly broad risk based assessment. Basically worthless from a homeowner stand point but priceless from an insurance company justification for rate increase standpoint.

The struggle is real...

That is a JIS bolt, so it did come off of something japanese. My Cat with a Mitsubishi engine has a lot of that grade 7 bolts. Here is a quick equilivencey formula... SAE Grade 5 = metric 8.8 = JIS 7 SAE grade 8 = Metric 10.9 = JIS 10

Lofty expectations always lead to disappointment. You like to view things in black and white it seems...the world is grey.