NYU fin aid for 0 efc

Paying for College
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<p>Well no, but has anybody here ever: </p>

<p>[ul]
[<em>]left a lucrative Wall St career with a multi-million dollar nest egg while very young in order to live tax free for the rest of his life?
[</em>]juggled alternative altered tax filings, even considering paying taxes (!!) in order to appear poorer?
[<em>]ceased working in order to reclassify as a dislocated worker?
[</em>]designed a nonprofit that will pay food and living expenses?
[<em>]turned his residence into a property-tax free asset of a nonprofit?
[</em>]maneuvered to qualify for low-income grants while sitting on a million-dollar nest egg?
[<em>]failed to disclose other funds available from the spouse for the kids college?
[</em>]requested alternate FA scenarios based on “what-if” tax filings?
[<em>]reneged on the ED requirements while blaming the school that innocently followed the rules?
[</em>]portrayed himself as “impoverished”, accused the school of “not wanting poor people”?
[<em>]made the argument that if he’s forced to dip into his million dollar savings, where would that leave him decades later?
[</em>]loudly criticized the “nasty” school FA officers who are doing their jobs as best they can, asking innocent questions about a little $45k of unearned income?
[<em>]insulted those who tried to help him understand that everybody must conform to the same formula?
[</em>]taught his college-age son the art of gaming the system?
[li]done all of the above with the “highest ethics and integrity”?[/li][/ul]</p>

<p>Don’t take any guff from these commoners, Steve. Spending your own assets is ridiculous; that’s for the little people. And going back to work — unthinkable! Why, that would be nonzero human capital, hardly helpful for tax purposes. Those pesky FA bureaucrats at NYU, who are they to make you play by rules that were obviously made for lower class folks? Don’t they know that you’re a Wall St guy with high integrity, a deeply ethical wheeler/dealer of unquestioned integrity, and now an official walking talking certifiably dislocated nonprofit entity? It’s just plain old-fashioned bias against smart rich people, pure and simple. Unacceptable small-minded pedestrian commoner simpletons, all of them. Not worth your time. Really, they should be endowing a chair of ethics in the Philosophy Dept for you.</p>

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<p>MisterK, I appreciate the overall tenor of your post and your sharp eye for detail - you’ve done a good job of driving home the point. But I do want to point out that the answer to Sk8rmom’s question about “ever had or heard” is “YES, it happened to Calmom three times at two different colleges, involving two completely different circumstances.” Times #1 & #2 resulted in an increased EFC; #3 lowered my EFC.</p>

<p>Sk8rmom chose not to believe me, but she doesn’t know my situation and she is mistaken. Some people get so wedded to their opinions that they don’t want to be bothered with facts. </p>

<p>If it happened to me 3 times, then I figure it probably has happened with a lot of other people – they just didn’t happen to send out announcements at the time)</p>

<p>My daughter’s EFC was changed through professional judgment without my making a request for consideration of special circumstances, based on factors that are not ordinarily taken into account on a FAFSA. (It would have been outright fraud if I had entered the numbers on the form the way the college ended up doing). </p>

<p>One aspect of “professional judgment” is that it always is based on factors that aren’t considered in FAFSA – for example, that a family has unusually high medical expenses – and there is no place on the FAFSA form to put that information. So the college might invoke a complicated formula based on the expenses, and subtract that number from the AGI. See [FinAid</a> | Professional Judgment | Medical and Dental Expenses](<a href=“http://www.finaid.org/educators/pj/medical.phtml]FinAid”>http://www.finaid.org/educators/pj/medical.phtml) </p>

<p>In order to get the data considered - on a form that has no place for it – PJ means the FAO must go in and add or subtract a value from a field that is designated for another purpose. So almost by definition, whatever the FAO does for PJ would be inaccurate (and possibly fraudulent), if the applicant had tried to enter the same values in the same fields. </p>

<p>Or another way to put it – in order to accomplish PJ and make the form go through, the FAO has to enter fake data in one or more fields. </p>

<p>My guess is that it is probably very common that PJ is used without the student’s or parents being aware of it. If the family is happy with an award, they are unlikely to ask how the college arrived at it. If they are comparing several awards, they may simply toss out the lowest ones without ever asking how they came to be so low. They may or may not become aware later on that their FAFSA has been changed, but sometimes its hard to see exactly where the change has been made. Also, often colleges make the actual change on-line to the FAFSA weeks or months AFTER the family has already received its award, so there is no particular reason to log in to the FASFSA site to try to figure out what has been changed. </p>

<p>I’d point out that if the goal of PJ is to eliminate barriers to admission for low-income students, then it really only works if the financial aid office is proactive, and alert to these issues – because most families don’t know that they can ask for PJ. So if there was some sort of unwritten, secret rule that colleges only exercised PJ if someone asked, then a whole lot of families going through all manner of difficulties would be hurt. Of course those families are at a disadvantage anyway – since their college financial aid office might not know to ask – but at least among private colleges, these things often show up via the CSS Profile, which has an open ended question at the end asking whether there is anything else the family thinks the college should know.</p>

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<p>^I agree with Calmom’s greater points. I’ve read the same documentation and come to the same basic conclusions.<br>
At the same time, Sk8 is also referencing what she was told directly by FAAs. And, we all know the Fafsa help folks can give varied answers. This is all a reflection of how much could be clarified and improved.<br>
It’s a confusing situation and we all depend on each other’s info and support, to try to get our arms around it.</p>

<p>So, bottom line: there are general federal guidelines and there is great latitude allowed FAAs and whether they apply their own professional judgment or enter into a formal “Professional Judgment” or detect some oddity during a “verification,” or are asked to review some “unusual” or “special” circumstances … they have the power to make changes.
And, that includes arbitrary decisions, as long as they don’t discriminate against a class of people per general fed guidelines and etc.</p>

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<p>MisterK - excellent post! It sums up beautifully what the OP is trying to do.</p>

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<p>MisterK—Snap! Excellent post–you hit the nail on the head. Thanks for summing it up so completely.</p>

<p>Calmom- “My daughter’s EFC was changed through professional judgment without my making a request for consideration of special circumstances, based on factors that are not ordinarily taken into account on a FAFSA.”</p>

<p>I’m curious about how the FAO used pj to change your EFC if you did not request it. What was it about your FAFSA that triggered the re-evaluation? What were the factors you mentioned in that quote and how did they find out about them? (ps- I believe you that this did happen). I’d like to know this because I may be able to learn something here that I can apply to my family situation. Thanks!</p>

<p>You gave an example of high med. expenses, but as you also said, there’s no place on the FAFSA to list those. Did you send a letter stating special circumstances</p>

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I don’t want to reveal too much of my financial information online – though I would be happy to tell you in a PM if you really want to know – but the college spotted something on my Schedule A that indicated an unusually large personal expense that they thought was worthy of PJ. If you itemize deductions, then you know while a Schedule A includes many tax writeoffs for expenses that are a matter of choice (such as charitable deductions or mortgage interest) - it is also the place where people can deduct major expenses that are imposed by circumstance (such as medical expenses in excess of a certain percentage of AGI, or casualty loss expenses), and stuff that kind of falls in between in the sense of how the college might view them (“other taxes”, “unreimbursed employee expenses”). </p>

<p>In other words, if a family has $20K in medical expenses, the college is likely to be sympathetic. $20K in mortgage interest, the college doesn’t care, it just means the family’s opted to buy an expensive house. $20K in “other taxes” – well, no one wants to pay taxes, but it might depend on what those taxes are for. Do they represent more wealth? or a hardship situation of some kind? </p>

<p>The colleges I mentioned are private colleges that take the CSS Profile, so they are starting with information about personal finances that is far more detailed than the FAFSA. Also, my d’s college – and most colleges I have dealt with – want to see copies of tax returns whether or not the FASFA is selected for verification – so when my d. was applying to colleges I knew to do my 1040 as early as possible, and to submit the copy to the college. </p>

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No, as noted it was on my Schedule A and may also have been entered somewhere on the CSS Profile in response to one of their questions. (I don’t remember, but I do know that they ask a LOT of questions about personal finance for matters not reflected on the FASFA).</p>

<p>It would not have occurred to me to write a special circumstances letter in my case, because I was in one of those “in between” categories – I didn’t know that the expense would be seen by the college as being worthy of a reduction in EFC. I don’t think the college would have cared, either, but for the fact that reduction in EFC made my d. Pell eligible - I have noticed over 4 years that when my d. is Pell eligible her college seemed to indulge every presumption in her favor, and when she was not they seemed to indulge every presumption against us. As I am self employed, they have a lot of leeway in how to adjust the numbers. Colleges also often look at a Schedule C. and might use the information on that to raise the AGI in their calculation – for example, seeing that the parent has taken a depreciation write-off or subtracting travel and entertainment expenses. I’ve never had a college actually change the FAFSA itself based on that sort of info, but I know for a fact that they do that for their internal calculation of aid.</p>

<p>I would note that my daughter’s college did NOT meet FAFSA EFC. The year they managed to get my d’s FAFSA EFC down to a Pell-eligible level, our Profile level contribution was still tagged at around $14K. I am not personally comfortable with what they did, because they were bringing in federal dollars to supplement their college grant – which accrues to their benefit, not ours - and I think that taxpayer dollars should go to those who truly need them. In my mind, Pell money should only go to colleges that are going to honor the FAFSA EFC for all purposes in their calculations – I don’t see why the college should have one number for money it gets from the feds, and another number $12K higher for the money it expects us to pay in. Obviously in that setting it is the college that is getting the benefit of the Pell grant and not the student. </p>

<p>Even though I didn’t write a special circumstances letter, I think it’s a good idea for parents to familiarize themselves with the professional judgment standards – the articles on finaid.org about professional judgment are a great source of information – and to be proactive about writing such a letter and submitting documentation to financial aid offices, at least at need-blind colleges during the application process. (It might not be such a good idea to plead hardship during the app process if the college is need-aware, for obvious reasons). Of course once the kid is in a college, for successive aid years it is just a good idea to be proactive and let the financial aid office know about anything that might be a basis for an increase in aid, whether relevant to FAFSA calculation or not. </p>

<p>I don’t think college financial aid offices want to have to field more phone calls or appeals than necessary, especially during their busiest time of year (the month of April, I assume) - so if I were running an aid office, I certainly would train my staff with an internal checklist based on those circumstances that were most often raised on financial aid appeals or requests for consideration, and have them be alert for items on the application that raised them. Some colleges have their own supplemental financial aid apps for families to fill out in addition to the FAFSA and CSS Profile, and that’s a place where some of those questions can be presented. </p>

<p>The more proactive you can be, the better your chances – keep in mind that if you wait until the spring to raise the issue, the financial aid budget for the year may already be exhausted and it might be more difficult to get a PJ determination in your favor. Since it is allowable for PJ to be exercised in an arbitrary (but nondiscriminatory) fashion, a college could easily adopt an internal policy that put in its own cutoff date for consideration of PJ issues, or stop granting EFC-reducing PJ requests when its own budget numbers hit a certain level.</p>

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<p>I think I might have figured out the source of Sk8rmom’s confusion. Here’s a PJ worksheet that the Dept of Ed gives to colleges to help them ensure compliance with the law -
<a href=“http://ifap.ed.gov/qadocs/FSAVeriModule/activity5verif.doc[/url]”>http://ifap.ed.gov/qadocs/FSAVeriModule/activity5verif.doc&lt;/a&gt; (MS Word document)</p>

<p>The third question on the form is “Does your school ensure a student selected for verification is verified before PJ is executed?”</p>

<p>So basically the procedures the Dept of Education wants are: IF a FAFSA is selected for verification, the college is supposed to complete the verification process FIRST, before exercising p.j. (It’s easy to see how the forms would be really messed up if they did the PJ first, then verification, given that PJ results in alterations to data being entered into various fields). </p>

<p>So that might be where Sk8rmom got the idea that PJ could not be done without verification. Perhaps she or someone she was helping asked for PJ consideration before the verification process was complete, and was then told that the college could not exercise PJ at that point. I know my D’s FAFSA wasn’t selected for verification the year she applied for colleges - so that stuff didn’t apply in my case.</p>

<p>However, it would create an interesting situation for Steve if his FAFSA is selected for verification. It would require NYU to make sure the FAFSA matches up with actual data, meaning that if he properly files a 1040A, they would have to complete the verification process with that election in place first, before doing any PJ adjustments. On the other hand, NYU can ask for any documentation it wants to complete the verification process – Steve could find himself dealing with a rather big headache if some financial aid officer at NYU got the notion that Steve was failing to report income. They might start by asking for P&L and other accounting statement from that “corporation” Steve owns that does all of the charitable work but is not registered as a non-profit.</p>

<p>But again, doing the verification doesn’t stop the college from making whatever post-verification PJ decisions it wants in any case.</p>

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<p>Well…maybe.</p>

<p>Colleges are not required to verify ALL that are selected by FAFSA. They do have to verify a certain %age of those selected. Steve’s might not actually be chosen for verification in the end.</p>

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<p>I didn’t know that – I thought that once selected for verification, the process was mandatory, at least for admitted students.</p>

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<p>Where is that “like” button for MisterK’s post #301…</p>

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Yes, you’re absolutely correct, and I thank you for making this point. I used the question as a fun jumping-off point, but after reading the latest messages in detail, I see that you had already refuted it handily. By the way, your contribution to this thread was excellent.</p>

<p>For the record, let me say that I resent the fact that honest, hard-working people are required to carry the extra baggage that people like steve impose on the rest of us. We’re a generous society, but it’s sickening to watch capable free riders take advantage of our good will.</p>

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<p>“left a lucrative Wall St career with a multi-million dollar nest egg while very young in order to live tax free for the rest of his life?”</p>

<p>left due to a physical handicap which occurred in 2003.</p>

<p>“juggled alternative altered tax filings, even considering paying taxes (!!) in order to appear poorer?”</p>

<p>I was advised by the fao at NYU to weigh tax cost of obtaining a particular fafsa position vs its benefit. EVERYONE does this. even you…</p>

<p>“ceased working in order to reclassify as a dislocated worker?”</p>

<p>left lucrative job in 2003 to (maybe) get a 5k pell grant in 2011?</p>

<p>“designed a nonprofit that will pay food and living expenses?”</p>

<p>No one who works tries to obtain a salary to pay for food an shelter.</p>

<p>“turned his residence into a property-tax free asset of a nonprofit?”</p>

<p>ever see a private high school that offered housing to their teachers because they could not afford to pay much in salary? PS. didn’t actually do that yet.</p>

<p>“maneuvered to qualify for low-income grants while sitting on a million-dollar nest egg?”</p>

<p>How about applied for fafsa on a straighforward basis to maximize the potential award…legally. Did not need to maneuver, just follow the rules.</p>

<p>“failed to disclose other funds available from the spouse for the kids college?”</p>

<p>excuse me? I will disclose funds when they are received and not before.</p>

<p>“requested alternate FA scenarios based on “what-if” tax filings?”</p>

<p>How about requested the ed fa projection based upon the data I submitted and not something they made up. They said if they used my fafsa the award would be different that the award they showed. I only asked for the accurate info they originally promised in the ed agreement.</p>

<p>“reneged on the ED requirements while blaming the school that innocently followed the rules?”</p>

<p>or followed the agreement, and when NYU did not follow their end I requested a reprieve from the next step and they agreed…</p>

<p>“portrayed himself as “impoverished”, accused the school of “not wanting poor people”?”</p>

<p>name a 250k university with no material need based awards that wants poor people. portrayed myself based upon the numbers, which are accurate and objective.</p>

<p>“made the argument that if he’s forced to dip into his million dollar savings, where would that leave him decades later?”</p>

<p>you obviously don’t have a finance degree. that’s exactly what financial professionals are SUPPOSED to do, and it is no shock that the people who wrote fafsa based the formula on precisely the answer to that question. they don’t want more people going on public assistance…why do you?</p>

<p>“loudly criticized the “nasty” school FA officers who are doing their jobs as best they can, asking innocent questions about a little $45k of unearned income?”</p>

<p>they never asked any questions about it the muni income…I offered it on my own…other than that, I simply supplied the numbers requested.</p>

<p>“insulted those who tried to help him understand that everybody must conform to the same formula?”</p>

<p>I AM conforming…you are not.</p>

<p>“taught his college-age son the art of gaming the system?”</p>

<p>how could I when I followed all the rules…I also verified mathematically that my filing was consistent with the original intent of fafsa. you do not have the capacity to make that determination as you are not educated in the math.</p>

<p>“done all of the above with the “highest ethics and integrity”?”</p>

<p>yup…see above</p>

<p>Enjoy the rest of your romp through Alice in Wonderland…</p>

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<p>I would like to point out that steves son’s fafsa WILL get selected for verification. The Department SAYS its random, but every year it gets less and LESS random. </p>

<p>I can think of about 6 things (individually) that give you a “good” chance of getting you selected… but when it has more than that you have a “great” chance. His son’s fafsa has FOUR, at least… I’d bet my bottom dollar he has about a 100% chance of being selected for verification… no doubt.</p>

<p>He should know soon if he is selected, if he doesn’t already. You guys know what that means, the FAA at every school ubersteve goes to will require those tax forms…</p>

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<p>Whether it gets selected for verification or not, NYU has the right to ask for whatever documentation they feel is appropriate, and they’ve already flagged Steve’s son’s file based on his previous communications with them.</p>

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<p>Steve, I’m done with you. Frankly, it’s sickening to read your slimey rationalizations. One last comment:</p>

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<p>Public assistance is for people who need help, not for people like you. We know that you folks exist, and we understand that it’s not really possible to prevent you from worming your way into our charitable structures. But your existence is offensive to everybody. </p>

<p>How will you feel when your son understands who you are?</p>

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<p>You really don’t get it, do you Steve? </p>

<p>FAFSA is NOT about YOU or YOUR future. It is about your SON. They simply want to make the determination as to whether your Son’s parents have the present ability to fund college – they don’t care a whit about the parent’s future financial status. </p>

<p>If they did, their formula would provide parents like you with a bigger “asset protection allowance” than $20K. $20K is not enough for ANYONE to build a future on - it’s just a minimal reserve to fall back on in case of emergency, like losing a job. </p>

<p>You’ll not that FAFSA does NOT ask parents how much they’ve saved for retirement in sheltered accounts – they don’t care. If the money is in an IRA, it’s not available to pay for college, so they don’t ask about it. The FAFSA will also add any deduction for retirement back in to the mix, as “untaxed income” – if a parent puts $10K into their 401K, that’s $10K of money the FAFSA people think should have been available to pay for college. </p>

<p>Here’s they way they look at it – if you have the audacity to ask for government help to fund your kid’s college, then paying for college is supposed to be your #1, top priority during the years that your kid is going to college. Planning for the parent’s future financial security is #2, after college.</p>

<p>Yes, financial planners will tell you to put yourself and your future first – but that is not what the financial aid system is about. </p>

<p>You know what you should have done if you were really smart, financially? If you were really smart, back in the 90’s when you still had your lucrative job, you would have set up a 529 account for your son and deposited a chunk of money into it. You would have looked at your 3 year old son and thought, “hmmm, I need to build a college nest egg for him, so that when he turns 18 I won’t have to worry about paying for his college, and can plan for my own retirement instead.” The earlier you set up such an account, the more interest would have accrued over time. If you had done that, then now you would simply write a check out of the 529 each semester, and wouldn’t have to fear that you might have to cash in a bond.</p>

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<p>they were bringing in federal dollars to supplement their college grant – which accrues to their benefit, not ours - and I think that taxpayer dollars should go to those who truly need them. In my mind, Pell money should only go to colleges that are going to honor the FAFSA EFC for all purposes in their calculations – I don’t see why the college should have one number for money it gets from the feds, and another number $12K higher for the money it expects us to pay in. Obviously in that setting it is the college that is getting the benefit of the Pell grant and not the student. </p>

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<p>I have tried to stay out of this whole mess, but I just have to comment on the above. Sorry, but I strenuously disagree with this line of thinking. You received a Pell grant from the federal government based on the federally mandated EFC calculation required for awarding federal aid. Period. How a school decides to award its limited institutional resources has nothing whatsoever to do with anything or anyone else. </p>

<p>But this DOES answer the question some had about whether or not NYU adjusted calmom’s FAFSA EFC. The answer is no.</p>

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With all due respect Kelsmom, I am tired of people who don’t know the situation telling me that I am a liar about WHAT HAPPENED IN OUR CASE. Don’t you think I would know?</p>

<p>My daughter did NOT attend NYU – so of course NYU didn’t change our FAFSA.</p>

<p>My daughter attended a LAC that promises to meet 100% of need for all of its students.</p>

<p>My daughter was NOT PELL ELIGIBLE based on a correctly filled out FAFSA. Lowish EFC, but well above the Pell cutoff, close to $6000 EFC. </p>

<p>WITHOUT any request for “special circumstances” from me, my daughter’s financial aid department at her 100% need school, sent me a financial aid award premised on my daughter getting a Pell and ACG grant, for which she was clearly not eligible. I called them up because I was confused by that.</p>

<p>That is when the financial aid officer from the LAC, which is not NYU, said to me, “we are going to use PROFESSIONAL JUDGMENT to reduce your income to make your daughter eligible for Pell.” </p>

<p>And that is exactly what they did. They changed the FAFSA to turn a person who was NOT eligible for Pell following all the rules for entry of data into someone who was eligible for Pell, by changing the numbers in one of the fields.</p>

<p>Kelsmom, if you don’t believe me, I will be happy to send you PM to tell you exactly what they did. The FASFSA instructions told me to transfer a number found at a certain line number of my 1040 into a certain field, which I did. When the college changed the FAFSA, using PROFESSIONAL JUDGMENT, they changed that to a different number that did NOT match the number at that line of my 1040… not even close.</p>

<p>And then after that they used a very different number than my FAFSA EFC to calculate 100% “need” for purpose of their college grant. They would have met 100% need in any case, whether d. was eligible for Pell or not, because that is what their policy is about financial aid. But they came up with one number for “need” when it came to asking for federal aid, and a very different number for “need” when it came to dispsensing their own money. Again… try to understand this, I’ve only tried to explain it at least 6 times: my daughter was NOT eligible for Pell except for the fact that the college, on its own and with no request from me, mucked around with the FAFSA figures.</p>

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<p>Calmom, I think that I have been very confused by your posts. I apologize … somehow, I got the feeling you were saying that NYU did something that made you NOT eligible for Pell. I probably skimmed too quickly, and again I apologize.</p>

<p>Knowing now that you RECEIVED Pell due to PJ, I will point out that this is different than taking away Pell due to PJ. Pell is an entitlement, and if you meet the qualifications for Pell you must be paid the Pell. Your situation is one where you became eligible when you otherwise would not have been. If the FAO can document the reason & it is reasonable within the guidelines of all the many regulations, then it is absolutely acceptable for you to receive that Pell grant. The school would then reduce its institutional aid, since you have some of your need met through the Pell grant. There is nothing unethical about this.</p>

<p>Your situation really is very different from Steve’s. PJ was used to make you eligible, not to take it away.</p>

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<p>OK. Re the above. I do have PDF’s of the SARs from that year. This was in 2006. </p>

<p>That year, because my daughter was applying to college, I rushed to file my 1040 early, in mid-February. As soon as I got my taxes filed, I prepared a corrected FAFSA, transferring all data from my 1040. I am rounding numbers for purposes of explaining this, but other than that this is 100% accurate. </p>

<p>My February SAR, based on the one and only 1040 that was filed that year with IRS, had these numbers; this was SAR #3. </p>

<p>Line 73: Adjusted gross income: $33,000
Line 74: US Income Tax paid: $0
EFC: 5600</p>

<p>In July, the COLLEGE (not me) filed a corrected SAR (#5). </p>

<p>Here is what the numbers on that are: </p>

<p>Line 73: Adjusted gross income: $33,000
Line 74: US Income Tax paid: $12,000
EFC: 2800</p>

<p>Now, did I pay $12,000 in federal tax that year? No, I did not. I paid -0-. Anyone looking at my 1040 would see that I paid 0. I would have owed $15, but I had a $15 credit, so it was 0. </p>

<p>And yet the college filed papers with the federal government saying that I paid $12,000 of “US Income Tax”. </p>

<p>Did they adjust the FAFSA? Yes, they did. I have a copy of the SAR that shows that. </p>

<p>Was this a “correction” as part of the verification process, as Sk8rmom insists it must be? No, it wasn’t. A correction would have to match my 1040. Believe me, I did not pay $12,000 US Income tax on an AGI of $33,000. Didn’t happen. </p>

<p>Was this “No, they did not adjust the FAFSA EFC”, as Kelsmom posts? Yes, 2800 is less than 5600. </p>

<p>PLEASE – I am sorry for the sarcasm, but please people, don’t post your OPINION about what happened in my case when you don’t know the FACTS. I know what happened. I don’t know why people are stuck on the idea that it could not have happened. Maybe my d’s college does things in an unusual way, I don’t know. But that is what happened. I have the paperwork to prove it. </p>

<p>And if I sound ticked off, yes I am. I shouldn’t have to be posting all of this. This is really simple stuff, and it really did happen, and it is very easy for me to look at the forms and see what numbers are printed in what fields.</p>