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EBANK BOND - 50B @ 7% Yield, 60 Day Maturity, Min 1 Bil, No Max

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Shar Tegral	Posted - 2008.02.13 06:22:00 - [31] Originally by: GeraldRatner Basically what you are saying is that Ricdics recent behaviour has caused a run on your bank and a reduction in your deposits. You are also saying that this has caused liquidity ratios to be adversely affected and that this bond is being issued to address those issues. I can tell you, quite bluntly, that Gerald is trying to put words in Hexxx's mouth. I can also honestly tell you that if Hexxx feels free to use the words "run on the bank" >shudder< he would equally feel free to say anything else he feels is true and applicable as well. And, if that wasn't blunt enough, "No"... this bond is not a sudden reaction to any kind of recent, or not so recent, drama that you may wish it to be connected to in any way shape or form. It's sole purpose was as Hexxx put it, to help fund some further loans. It was planned and voted upon by all the directors prior to this weekend. The points you quote are only proof of your attempted thread derailment not of some sort of "cause and effect" example of Forum Fu. Ebank's isk reserves have not been touched nor is this "run" a sudden thing never before encountered or never again to be encountered. In truth this could be attributed to post-weekend pvp disasters as much as it could be anything else. Not only is one as likely as the other but in fact your accusations and my suggestion might be smaller pieces of the bigger picture. Originally by: GeraldRatner Anybody thinking of investing in this bond should be FULLY aware of ALL the issues surrounding it. Further, if this so called shortage and run on the bank is because of Ric... then why would I (of all people) look to sink more into Ebank? Don't bother answering as your only intent is to rabble-rabble instead of inform others. If you had any actual concerns you would not be using your unknown alt to express them. You'd use your main so that your words would be credible. Instead, right now, you just want to play FUD. To Shar -verb: 1 - To say what you mean. 2 - To say what it means. 3 - To say something mean.
GeraldRatner	Posted - 2008.02.13 06:24:00 - [32] Edited by: GeraldRatner on 13/02/2008 06:25:31 Originally by: Hexxx Originally by: GeraldRatner This is what you said in your op :- "1) Liquidity concerns. We recently experienced a "run on the bank" scenario which ended with us seeing a total of 8 billion isk in withdraws within a single day. Normally this is how much we handle in a week. As a result, we have shifted to a more conservative percent of funds held in cash. To date; we have always met a withdraw request within 24 hours...the goal is to keep it that way. This does however limit our ability to provide loans as we end up with less cash set aside for that. 2) Recent stagnation in fund growth through deposits. This is partially linked to #1." Basically what you are saying is that Ricdics recent behaviour has caused a run on your bank and a reduction in your deposits. You are also saying that this has caused liquidity ratios to be adversely affected and that this bond is being issued to address those issues. Anybody thinking of investing in this bond should be FULLY aware of ALL the issues surrounding it. Yes, that's what I said. I addressed the reasons why we're issueing a Bond and you copied them (excellent work by the way) in your most recent reply. Is there some kind of additional point you're making here? You said you had a run on the bank What you DIDNT say is WHY you had a run on the bank The assumption that it wasnt necessary to mention why you had a run on the bank was because everybody already knew is a little disingenuous to say the least Listen Hexxx. Ricdic screwed up and as a consequence you are having to ask for 50billion off of joe public. The idea that you can quietly push this through without any in depth discussion of how all this came about is just dumb. And incidentally the next time the forum goes on an unmerciless feeding frenzy of ripping somebody to pieces you might advise your directors to stay out of it.

CCP Mitnal	Posted - 2008.02.13 06:30:00 - [33] Cleaned Please post with respect towards fellow users. Mitnal, Community Representative EVE Online CCP Games Email/Netfang

SencneS Amarr Spartan Industrial Manufacturing SMASH Alliance	Posted - 2008.02.13 06:33:00 - [34] Originally by: GeraldRatner Originally by: Amarr Citizen 155 Replied to GeraldRatner I suggest YOU stop trolling MY posts. Anybody NEW to this forum wouldn't know anything about the issues surrounding this bond. This is your attitude toward investors :- "Invest or gtfo" I think many will take note of that and do exactly that i.e. gtfo Just to clarify Amarr Citizen is not an EBank Representative, Amarr Citizen neither works for EBank or has any part of this Bond offer. The issues surrounding this bond is rather simple, we have rules set in place to have a certain amount of ISK available for withdrawals, this ISK must be available at all times. The recent transactions where many withdrew ISK from EBank has prevented us from taking on new loans. We have two choices available to us. 1) Turn down new loan applications. 2) Get more capital on a short term bases to fill the demand. In the end EBank may very well be unable to fill the demand which would be disappointing. However we still have all that other ISK loaned our collecting interest. No one can blame any corporation for trying to fill demand for a product, and looking for reasons other then filling demand is simply unwarranted. This Bond is nothing more then a chance for people outside of EBank to reap the rewards of the community joining together to loan ISK to a trusted person on a short term bases. If you do not feel you trust EBank, or want to be part of the community and reap the rewards of that community joining together for a single goal, then urge you not to purchase any EBank bonds. Amarr for Life
GeraldRatner	Posted - 2008.02.13 06:34:00 - [35] Originally by: Amarr Citizen 155 Edited by: Amarr Citizen 155 on 13/02/2008 06:21:46 Originally by: GeraldRatner I suggest YOU stop trolling MY posts. Anybody NEW to this forum wouldnt know anything about the issues surrounding this bond. This is your attitude towards investors :- "Invest or gtfo" I think many will take note of that and do exactly that i.e. gtfo Honestly, the minimum limit on this investment is going to keep the "new" players you are talking about from investing. Also, if they are new to these forums and don't take a few minutes to do research and atleast ready page 1 threads then I'm not really that concerned about them. I am not trolling your posts, you are trolling this thread. As Hexxx has stated already, if you don't want to invest he isn't forcing you to. And no, that is my attitude towards you, invest or gtfo because you make no valid points, you won't post with your main, and you are simply a troll. I'm going to bed so please feel free to not post a stupid response to me as I won't be awake to read it. Disclaimer: I am in no way, shape, or form affiliated with Ebank and I have never worked for and probably will never work for them. My opinions are MY opinions. I didnt say new players I said new to this forum Not that such a minor detail would worry you
Hexxx Minmatar	Posted - 2008.02.13 06:38:00 - [36] Edited by: Hexxx on 13/02/2008 06:41:08 Edited by: Hexxx on 13/02/2008 06:38:01 Originally by: GeraldRatner You said you had a run on the bank What you DIDNT say is WHY you had a run on the bank The assumption that it wasnt necessary to mention why you had a run on the bank was because everybody already knew is a little disingenuous to say the least Listen Hexxx. Ricdic screwed up and as a consequence you are having to ask for 50billion off of joe public. The idea that you can quietly push this through without any in depth discussion of how all this came about is just dumb. And incidentally the next time the forum goes on an unmerciless feeding frenzy of ripping somebody to pieces you might advise your directors to stay our of it. I'm not pushing anything through, this Bond has a lower rate than our first one (3.5% vs. 4%), however...it is for a shorter period and allows more people to take advantage of it. We'd like to continue to grow but if the Market doesn't respond to the Bond we'll just grow organically through additional accounts. We have almost 800 users, 94 billion isk in processed withdraws. Today alone our total account balances increased by 6 billion isk. It really doesn't matter one way or another....sorry if that sounds a bit apathetic but as I sometimes like to say, "It is, what it is." If you're sore about getting critical feedback, I am truely sorry, but dealing with the Markets isn't something that's for everyone. Consulting, IPO Template, and Stock/Bond definitions.
Shar Tegral	Posted - 2008.02.13 06:39:00 - [37] Originally by: GeraldRatner Not that such a minor detail would worry you Is your purpose to question Ebank's bond or just to get into forum fights with anyone that may post in this thread? I mean, Hexxx and other members of Ebank might feel free to discuss Ebank affairs with a concerned investor or 3rd party watchdog but to have to answer for non-Ebank statements... ... ??? I mean, Ebank is good but isn't that stretching Ebank's responsibility a tad too far? I would suggest that if you are trying to keep the uninformed public informed about what you say is going on at Ebank (which no one else says is going on at Ebank btw) that you stick with arguing with Ebank responses. Anything else is just... trolling. To Shar -verb: 1 - To say what you mean. 2 - To say what it means. 3 - To say something mean.
GeraldRatner	Posted - 2008.02.13 06:45:00 - [38] Originally by: Shar Tegral Originally by: GeraldRatner Not that such a minor detail would worry you Is your purpose to question Ebank's bond or just to get into forum fights with anyone that may post in this thread? I mean, Hexxx and other members of Ebank might feel free to discuss Ebank affairs with a concerned investor or 3rd party watchdog but to have to answer for non-Ebank statements... ... ??? I mean, Ebank is good but isn't that stretching Ebank's responsibility a tad too far? I would suggest that if you are trying to keep the uninformed public informed about what you say is going on at Ebank (which no one else says is going on at Ebank btw) that you stick with arguing with Ebank responses. Anything else is just... trolling. I think ive clearly made my point here so i think Gerald along with his decanters can now be subjected to biomass reprocessing
Hexxx Minmatar	Posted - 2008.02.13 06:50:00 - [39] Originally by: GeraldRatner Originally by: Shar Tegral Originally by: GeraldRatner Not that such a minor detail would worry you Is your purpose to question Ebank's bond or just to get into forum fights with anyone that may post in this thread? I mean, Hexxx and other members of Ebank might feel free to discuss Ebank affairs with a concerned investor or 3rd party watchdog but to have to answer for non-Ebank statements... ... ??? I mean, Ebank is good but isn't that stretching Ebank's responsibility a tad too far? I would suggest that if you are trying to keep the uninformed public informed about what you say is going on at Ebank (which no one else says is going on at Ebank btw) that you stick with arguing with Ebank responses. Anything else is just... trolling. I think ive clearly made my point here so i think Gerald along with his decanters can now be subjected to biomass reprocessing In that case, we can confirm Gerald as trolling. Moderators, can you please clear some of his more obvious trolling posts from the thread? Consulting, IPO Template, and Stock/Bond definitions.
Shar Tegral	Posted - 2008.02.13 06:52:00 - [40] Originally by: GeraldRatner I think ive clearly made my point here so i think Gerald along with his decanters can now be subjected to biomass reprocessing And that, everyone, sums up the value of everything he had to say. Disposable drama at the drop of the trial account activation. But, we shall miss you dear departed Gerald. Alas we knew you not very well but we do know your kind. You shall never be far from us even though your biomass may rot in some vat somewhere. In spirit and in main, your cowardly soul shall always be near to us ever waiting for the chance to re-emerge. We look forward to that next meeting, anon, so that we may point and laugh at your churlish tail stuck between your legs, instead of your manhood, as proof that an alt is only as brave as his main is not. And that ends my shakespearian moment of the day. Next? To Shar -verb: 1 - To say what you mean. 2 - To say what it means. 3 - To say something mean.
GeraldRatner	Posted - 2008.02.13 07:07:00 - [41] Originally by: Shar Tegral Originally by: GeraldRatner I think ive clearly made my point here so i think Gerald along with his decanters can now be subjected to biomass reprocessing And that, everyone, sums up the value of everything he had to say. Disposable drama at the drop of the trial account activation. But, we shall miss you dear departed Gerald. Alas we knew you not very well but we do know your kind. You shall never be far from us even though your biomass may rot in some vat somewhere. In spirit and in main, your cowardly soul shall always be near to us ever waiting for the chance to re-emerge. We look forward to that next meeting, anon, so that we may point and laugh at your churlish tail stuck between your legs, instead of your manhood, as proof that an alt is only as brave as his main is not. And that ends my shakespearian moment of the day. Next? Well it seems that while the biomass reprocessing is going on you can still squeak out a few last words so here goes Shar you are one of the few people in here whose integrity I respect. Theres a big difference between honesty and integrity and there are a lot of people in here who need to learn that. But having said that your idea that alts opinions are worthless is a bit dumb. think about it
EBANK Ricdic Eve-Tech Savings n Loans	Posted - 2008.02.13 07:35:00 - [42] The pending loans were already approved and this bond was in final discussion stages before the drama with the other issue began. This bond offering is first and fore mostly a way to generate capital to provide for board approved loan applications. There's no secret agenda here. You can look at the EBANK stats page to get an idea on how our isk is tied up: Total Account Balance: 128,841,944,839.72 Total (loans) Debited: 120,263,733,301.74 Having said that, the above doesn't count EBANK's retained capital which is approximately 12b at this point I believe. Now I can state (and have confirmed by the board) that 98% of all money out on loans is not by EBANK board members at all. I (Ricdic) personally have a 1b loan outstanding and (C-R-A) has 200m outstanding. The rest are loans with completely non-EBANK board entities. I know a few have questioned our fast expansions. In all honesty our scam potential is quite small. Our loan securities (usually bpo's) are to be locked down in subsidiary corporations needing multiple board member approvals and some of our loans are locked down in C-R-A. I probably have the biggest scam ability with approximately 50b I could get out of EBANK if I wanted to scam. Hexxx would be in second place at approximately 30b. The other directors collectively secure assets. To be completely honest after the whole drama bomb on the weekend (that I started) we weren't going to release this bond. In terms of profitability and security there is no risk whatsoever. We knew there would be scrutiny as a result of the issues on the weekend. However we had committed to some of these loans and felt it was in the best interests of EBANK as a corporation to continue as per normal and offer this bond as previously planned. This will be the last bond offering for a while as we refine our processes (as per other thread) and automate the bonds system internally.
Shadarle	Posted - 2008.02.13 07:37:00 - [43] I'll say it too then, Alts opinions are worthless. They mean less than the opinion of a known scammer. Basically the opinion of an alt is worth less then the time it takes to read the post from that alt. If you have anything worth saying you should have the guts to say it with your main. If I wasn't still planning my own IPO I would make an offer to loan E-Bank a larger amount of money for a higher rate to see if they'd accept. Perhaps some others here should try it if they have 10-20+ billion laying around. Stacking Penalty / Resists Explained
GeraldRatner	Posted - 2008.02.13 07:53:00 - [44] Edited by: GeraldRatner on 13/02/2008 07:54:53 Originally by: Shadarle I'll say it too then, Alts opinions are worthless. They mean less than the opinion of a known scammer. Basically the opinion of an alt is worth less then the time it takes to read the post from that alt. If you have anything worth saying you should have the guts to say it with your main. If I wasn't still planning my own IPO I would make an offer to loan E-Bank a larger amount of money for a higher rate to see if they'd accept. Perhaps some others here should try it if they have 10-20+ billion laying around. An idea, view or opinion stands or falls on its own merits. The truth is alts irritate this forum because it cant indulge in its collective frenzied attacks on them. This alt could care less what this forum thinks.
Astorothe Aperture Science Industries	Posted - 2008.02.13 07:57:00 - [45] Originally by: Shadarle If I wasn't still planning my own IPO I would make an offer to loan E-Bank a larger amount of money for a higher rate to see if they'd accept. Perhaps some others here should try it if they have 10-20+ billion laying around. Interesting idea Eve Corp Web Design \| Eve Online Addicts
Shar Tegral	Posted - 2008.02.13 07:57:00 - [46] Originally by: GeraldRatner The truth is alts irritate this forum because it cant indulge in its collective frenzied attacks on them. I don't know about everyone else's reasons for hating alt posting. I do know why I hate it: I can't fairly value the weight of your words without the context of your position. You could be raising a valid concern. You could also be engaging in FUD. Without knowing who you are I can't, I won't, go out on the limb and credit your statements as you already proved that you won't go out on the limb to make those statements. Fair trade in all things mate. Even Integrity. To Shar -verb: 1 - To say what you mean. 2 - To say what it means. 3 - To say something mean.
Hexxx Minmatar	Posted - 2008.02.13 07:59:00 - [47] Originally by: GeraldRatner An idea, view or opinion stands or falls on its own merits. The truth is alts irritate this forum because it cant indulge in its collective frenzied attacks on them. This alt could care less what this forum thinks. Unless the idea is essentially a series of "Straw Man" arguements or baseless speculation that smacks of sensationalism. You're sore about getting criticized previously; we get it. You took a few lumps and now you've got a chip on your shoulder. This really isn't of any significance or importance....you, the individual, have very little impact on a 3.2 trillion market. None of us do. Consulting, IPO Template, and Stock/Bond definitions.
Hexxx Minmatar	Posted - 2008.02.13 08:01:00 - [48] Originally by: Astorothe Originally by: Shadarle If I wasn't still planning my own IPO I would make an offer to loan E-Bank a larger amount of money for a higher rate to see if they'd accept. Perhaps some others here should try it if they have 10-20+ billion laying around. Interesting idea I would remind people that EBANK keeps it's rates low for very good reasons. That said, do feel free to approach us. Consulting, IPO Template, and Stock/Bond definitions.
GeraldRatner	Posted - 2008.02.13 08:13:00 - [49] Edited by: GeraldRatner on 13/02/2008 08:13:35 Originally by: Hexxx Originally by: GeraldRatner An idea, view or opinion stands or falls on its own merits. The truth is alts irritate this forum because it cant indulge in its collective frenzied attacks on them. This alt could care less what this forum thinks. Unless the idea is essentially a series of "Straw Man" arguements or baseless speculation that smacks of sensationalism. You're sore about getting criticized previously; we get it. You took a few lumps and now you've got a chip on your shoulder. This really isn't of any significance or importance....you, the individual, have very little impact on a 3.2 trillion market. None of us do. I havent been criticised by this forum and i dont have a chip on my shoulder. You shouldn't make baseless assumptions. Just as you say alts views are worthless so are yours and many others. Next time you direct anything in my direction please engage your brain before opening your mouth But just to help you I WILL tell you what all this is about. Ricdic owes Kyrial Tidolfas a public and unreserved apology. No more and no less. Writing it all off as a 'drama bomb' is almost worse than the original appalling and shameful behaviour. In fact a lot of you owe Kyrial an apology. Read the 2nd or 3rd post of his original ipo where La Vista calls him a scammer. Again a totally baseless and valueless opinion based on nothing more apparently than La Vista being a pretty dumb person. This isn't going to go away however much you and CCP try and sweep it under the carpet until Kyrial gets his apology. Incidentally Im not kyrial and I dont even know the guy. Never met him either in or out of the game
Deez Onit Market Jihadist Revolutionary Party	Posted - 2008.02.13 08:16:00 - [50] The Ebank drama threads are getting almost as bad as Goons Vs. BoB... Almost to the point where I'm not even gonna bother opening EBank threads as all i'm going to be subjected to is trolling and drama... ITS GETTING OLD FROM BOTH SIDES DROP IT ALREADY!
Shar Tegral	Posted - 2008.02.13 08:18:00 - [51] Originally by: GeraldRatner This isn't going to go away however much you and CCP try and sweep it under the carpet until Kyrial gets his apology. And this is why I call your posting FUD. There is no way in god's green earth that I would act in any collusion with CCP in any sort of cover up. As to the matter regarding Kyrial, please feel free to join in on one of the threads on the matter. I have opinions on it, you have opinions on it, everyone has an opinion on it... to include CCP I'd imagine. However this thread is not the place to engage in derailment for the sake of your desire for restitution or disruption. To Shar -verb: 1 - To say what you mean. 2 - To say what it means. 3 - To say something mean.
Shar Tegral	Posted - 2008.02.13 08:22:00 - [52] Originally by: Deez Onit The Ebank drama threads are getting almost as bad as Goons Vs. BoB... Almost to the point where I'm not even gonna bother opening EBank threads as all i'm going to be subjected to is trolling and drama... ITS GETTING OLD FROM BOTH SIDES DROP IT ALREADY! Wow, talking about positive reinforcement for thread trolling. WTG, trolls win Eve. PS: Sorry but it is the case here. We can't stop attempts at trolling or thread derailment. We do try to answer honestly and steer the topic back to the one at hand. I apologize if this seems like we engage in the "bad" behavior ourselves but it is either be active in the community or leave the community to the "lord of the flies" segment that never ever quits. To Shar -verb: 1 - To say what you mean. 2 - To say what it means. 3 - To say something mean.
Deez Onit Market Jihadist Revolutionary Party	Posted - 2008.02.13 08:49:00 - [53] Edited by: Deez Onit on 13/02/2008 08:51:43 yes i'm condoning the trolling shar ... get off your high horse... I'm saying its getting tiresome from both sides... Both meaning the Trolls and You(Ebank)... You're both wrong... Ebank was wrong, The trolls are wrong, etc etc et al... All you are doing is feeding their desire to troll when you respond to their boring drivel.
Shar Tegral	Posted - 2008.02.13 09:00:00 - [54] Originally by: Deez Onit get off your high horse... I'm saying its getting tiresome from both sides I agree but the difference is, from our two perspectives, that you are not the target of slander and innuendo. Of course the other difference is, mine might be called "high horse" while I call it "ideals". Your addition to this thread I'd classify as the height of irony. Expressing distaste of the drama while doing nothing more than adding to it. Lose-lose on both ends of it and, yes, you are giving positive reinforcement to trolling. You may not condone it but ... ... Of course we could try talking about the bond though? I suspect that's an almost totally derailed topic but I'm willing to give it a go. To Shar -verb: 1 - To say what you mean. 2 - To say what it means. 3 - To say something mean.
GeraldRatner	Posted - 2008.02.13 09:04:00 - [55] Ok lets get back on topic. This thread is about a bond offering from Ebank which is led by Ricdic I think the character of the banks leader is relevant to the decision making process people will have to go through in deciding whether to subscribe to this bond. This is particularly so for people new to this forum who may not be up to speed on this forums previous going ons(aside to Amarr Citizen 155 please note the distinction between new player and player new to forum) So lets discuss Ricdics character. He decided to blacken the name of one of his own account holders by revealing that said account holder was in default of a loan He forebore to mention a couple of things about this attempted character assassination 1/ The Loan was for an amount of 1 isk 2/ The Loanee didn't know about the loan since Ebank hadn't followed it's own advertised course of action in respect of this loan What is most astounding is that in support of the general merciless ripping apart of Kyrial several people SUPPORTED Ricdics decision to make this so called loan default public. This appalling behaviour is entirely relevant to this thread since Ricdic feels there is no need for an apology to Kyrial These posts are just to let potential investors know a little about the character of the person they are investing in.
EBANK Ricdic Eve-Tech Savings n Loans	Posted - 2008.02.13 09:07:00 - [56] Originally by: GeraldRatner Incidentally Im not kyrial and I dont even know the guy. Never met him either in or out of the game You were a Kyrial alt the first post you made. It's not half obvious...
EBANK Ricdic Eve-Tech Savings n Loans	Posted - 2008.02.13 09:09:00 - [57] Originally by: GeraldRatner This appalling behaviour is entirely relevant to this thread since Ricdic feels there is no need for an apology to Kyrial Actually Kyrial I apologised a few times in your thread.
GeraldRatner	Posted - 2008.02.13 09:18:00 - [58] Originally by: EBANK Ricdic Originally by: GeraldRatner Incidentally Im not kyrial and I dont even know the guy. Never met him either in or out of the game You were a Kyrial alt the first post you made. It's not half obvious... If you are unable to distinguish my style of writing from Kyrials(incidentally it will be patently obvious to the more intelligent of you who I am)its not surprising you were taken in by Riethe
GeraldRatner	Posted - 2008.02.13 09:30:00 - [59] Originally by: EBANK Ricdic Originally by: GeraldRatner This appalling behaviour is entirely relevant to this thread since Ricdic feels there is no need for an apology to Kyrial Actually Kyrial I apologised a few times in your thread. Here are some quotese from that thread :- -------------------------------------------------------------------------------- "A loan is a loan. I won't apologise over it. A default is still a default regardless of amount. And EBANK have taken on the name and shame position with talks of a public blacklisting page. Sorry Ray we don't hide our defaultor's names under the carpet. Maybe it was a little harsh but it was still a loan requested, actioned, funds transferred, and money owing to EBANK. Or, should we just look the other way if the amount isn't considered large? What amount 'is' considered large?" "Now I am quite sure I have evemailed Kyrial about this loan (overdue on repayments) about 1.5 weeks ago but not 100% certain. If I didn't do this I apologise for that. The rest still stands though. Both I and LaVista made perfectly accurate and correct statements and nothing more." A quote here from MrHorizontal(Ebank director) :- "I don't see any reason to apologise for anything, and I fully agree with Ricdic. EBANK only disclosed that the borrower was at risk of defaulting and thus protected it's own interests in light of the circumstance that the borrower is asking for public funds. If you put yourself out for public scrutiny, you better be damned sure your back yard is clean. In this case, he had a loan that hadn't been serviced. This loan has to this point not been serviced, so Kyrial is still in default." I can go on if you wish me to, or maybe you would like to open a new thread, and publicly and unreservedly apologise to Kyrial and then I can just melt away
LaVista CEO	Posted - 2008.02.13 09:58:00 - [60] Edited by: LaVista CEO on 13/02/2008 09:57:43 Wrong char

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