> Why did I not receive any notification? A change in contract of that magnitude should have led to me being directly notified per email or other communication

> Why did I not receive any notification? A change in contract of that magnitude should have led to me being directly notified per email or other communication methods, so that I’d actually have a chance at still using the credit. I agree with you completely. That is precisely why I refer to it as a communication failure. I had a year to ask "Why didn't we email about this?" I didn't ask that question. I failed. I'm sorry. I understand that you're not interested in helping, but my offer stands, and I appreciate you and your feedback. We're all just people here trying to do what we think is right. I know I fall short, I make mistakes, but all I want is to own them and make them right.