> I suspect some of both, but the indictment sheds no light on either. This was written before the plea was made; the plea clarifies some of the details. In pa

> I suspect some of both, but the indictment sheds no light on either. This was written before the plea was made; the plea clarifies some of the details. In particular, it clarifies that JHARIA referred in the SBA fraud is Mrs. Smriti Jharia, and not her brother Mr. Vikrant Jharia. The plea makes very interesting reading.