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OY VEY!!!! What's not to understand...Big shots, insiders, politicians, accountants and even some actuaries looked the other way for decades while contracts were negotiated in bad faith, fraud, racketeering, breech of financial responsibility and due diligence. Agreements were made that were known to be financially reckless, unsustainable, and paving the way to default or insolvency. New or young union members were thrown under the same bus as all taxpayers, promises made were already known to be untrue and could never be kept. So Mr. Mayor, and city council, how do propose to unwind this mess? How do you deal with a problem of this magnitude with a shrinking population, taxable properties coming off the tax rolls due to the airport or future tax stabilization or economic incentives, (giveaways) far too many vacant retail store fronts, and a crumbling infrastructure that has been ignored for far too long? Please tell us there is a plan in place, that there is a well thought out, cogent and financially viable plan to extricate Warwick from the briar patch, after all, after 14 years as Mayor, and several long standing members of the council, I'm sure you have the solution? What's that you say....in a whisper...CHAPTER 9??? That's what I thought you've been saying all along, only you've been going the long way around the barn, trying to hoodwink people again. HAPPY 2015, and good luck.