i believe that this is mostly due to being more selective in the notes i invest in and not just choosing randomly or based on the grade or interest rate. i worked in a very small firm – it might have just been just two of us back then. food, shelter and warmth are something they welcome as much as we do. union subway station is very busy. so we have to put that out there first. it is kind of hard to see the hair, it's a lot shorter and suppose to be messy! 