The bail-out plan needs to be spelled out better, really letter by letter.
When, on the same page, we also read the letter from Krzysztof Rybinski and that describes the bail-out plan in terms of Hank and Ben wanting to give money to John and Tim because, drunk, the broke four windows a table and burned a sofa it really evidences how much more clarity is needed in order for everyone to know that the purpose of the plan is in fact to establish a present value for the windows, the table and the sofa, and so that damage assessments can proceed.
Now, if you do not spell that out letter by letter, how can one avoid anyone believing Mr. Rybinski is absolutely right?