Albert, I don't get it. You're the one who started all this with the following post:
Pat,

I was wondering if the PACK uses a Code of Ethics? There is a DEAD BEAT slot card collector out there that owes money since mid December & can't seem to come up with. He is a PACK member and we are getting tired of this!

Albert

Are you changing your position now and are against a code of ethics? I'm confused.