I would caution you in your use of it because by now, it's a tired, overused assertion.

I don't have the data, so I won't make the assertion.

It can be a difficult assert to value, so may be better if IRA is Roth.

The courts will not intervene where one party has made a hard bargain unless fraud, duress, or unconscionable conduct is involved.FormationIn addition to the elements of a contract:A party must have capacity to contractThe purpose of the contract must be lawfulThe form of the contract must be legalThe parties must intend to create a legal relationshipThe parties must consentAs a result, there are a variety of affirmative defenses that a party may assert to avoid his obligation.Contracts May Be Bilateral or UnilateralA bilateral contract is an agreement in which each of the parties to the contract makes a promise or set of promises to each other.

Of course this sponsor asserts that they found the deal so that adds value.

All that being said, I rely on myself to know and assert my rights.

No. 34] The Motion asserts that the Respondent holds a claim secured by a deed to secure debt on real property owned by the Debtor known generally as 2986 Kaley Drive NW, Kennesaw, GA 30152 (the “Property”); that Respondent’s deed to secure debt is subordinate to another deed to secure debt; and that the value of the Property is less than the amount of debt secured by the first priority deed.

Contrary to what you assert, credit scores don't measure debt to income ratio because Equifax and co usually don't know your income.The ratio they do measure is credit card debt to total credit limit and that has a huge impact on your score once you go over the approved threshold  even though it may have zero correlation to your financial standing, see my initial post on this thread about what happens to your credit score when you take advantage of interest free credit promotions.The core objection is that you are misinterpreting the true meaning of a credit score. 

Let's see, even Michelle Malkin has retracted her assertion that there were 2 million people, so unless you think a highly conservative blogger who has been propagating exaggerations about attendance is now under-reporting the turn-out, then it's safe to say it was well below 2 million.

Vikram, there is one flaw in your assertion.