I truly appreciate this response and as much as I don’t want to hear it, I needed to hear it. I want to be honest and up front about it all, just wanted to know in a sense what is oversharing or deemed relevant. The short sales were in the past over a decade ago and I just didn’t know if it’s something I needed to bring to light or not. I haven’t gone through the NACA process yet and was trying to get a feel to see if this is something worth trying or will I just be denied. Again, I truly appreciate your response and do not see it as a lecture at all.