I understand you believe the checks cannot fail that catastrophically, and I agree that the likelihood they do is quite low. But it can happen, and it only has

I understand you believe the checks cannot fail that catastrophically, and I agree that the likelihood they do is quite low. But it can happen, and it only has to happen once. (Also FYI, telling me your work history just tells me you've drunk the koolaid, ain't proof you know more.)