[Red Calypso]

Dear friend,

I got news from you today that has broken my heart and will sadly forever cloud how I look at you. Your financial situation is transitory and will improve, but the action you have taken is eternal and irrevocable. You say you feel guilty now. I'm afraid that guilt is something you'll have to live with for the rest of your life. I'm not sure now I can even talk to you reasonably at the moment...and that hurts.