Saturday, March 21, 2026

Trump turned that raw wound into a shared laugh between equals

Epstein Survivor Drops Bombshell On What She Saw... TMZ

Muslims in India attack Hindus over music

Hugh Fitzgerald points to the disturbing problem of Islamofascists in India who attacked Hinduists over their music celebrations, on Ramadan and surely even when it's not the holiday:
Contrary to the popular view that portrays them as a hapless minority, Muslims are the second-largest population and the fastest-growing demographic in India, and by far the most pampered one, be it by media, politicians, or pop culture. Ramadan is a month when Muslims fast during the daytime; however, it is shocking how Muslims force their religious beliefs on non-Muslims, Hindus in particular, and stop them from going on with their regular lives and celebrating their festivities.

In Banswada town in Telangana, a Muslim mob gathered in front of a department store and resorted to violence. The incident occurred on February 20, when a Hindu saleswoman at the Reliance Smart Mart store played a devotional song dedicated to the Hindu deity, Goddess Durga. A Muslim customer, Muzammil, who was at the store at the time, objected to the music and asked her to stop it, as Ramadan was ongoing.

The situation quickly deteriorated, as a massive Muslim crowd gathered outside the store and began throwing stones at it
. Police efforts to calm the throng were also met with stone-throwing, leaving at least two police constables injured. Police officials have confirmed that 10 to 12 individuals have been arrested in connection with the unrest. In response, additional security forces were deployed throughout the town to stop further escalation. Authorities, who are always rushing in to safeguard Muslims, their interests, and image, warned against the spread of provocative content on social media that could incite further communal tension. Efforts were reportedly made to suppress this news, or rather, the incident did not find mention in many news reports.

Another incident of Islamic entitlement during the holy month occurred in Ahmedabad, Gujarat, which again was not reported by most news agencies, lest the popular perception of Muslims be tarnished. A traditional Hindu wedding procession turned violent on Friday night, February 20, after a dispute over the music played during the celebration escalated. The incident occurred in the Rakhial area when the Hindu groom’s party was playing songs dedicated to Hindu deities associated with the ceremony, a common practice in India. Muslims formed a gathering and objected to the music, citing the ongoing observance of Ramadan, and demanded that the Hindus stop playing the songs.

The disagreement quickly turned hostile, as Muslims started throwing stones at wedding guests and nearby parked vehicles, forcing the celebration to be halted abruptly. The Hindus were holding their celebrations at their venue, and the Muslims still objected to it, claiming that they were fasting and preferred quieter gatherings.
This is utterly repugnant, and any police, media and politicians who bury the news for the sake of brownie points should be absolutely ashamed of themselves. The public in India who were struck by these atrocities should start demanding that the Islamofascists be exiled, and there should be serious opposition to any further indoctrination by the Religion of Peace.

The Cesar Chavez Scandal Isn't Going Viral by Accident



The question is why? Why does the left want to get rid of Cesar Chavez?

Well, you see, Cesar Chavez was ANTI-ILLEGAL IMMIGRATION!

Chavez and the UFW were so against “wetbacks” that they
formed their own private Border Patrol.

Cesar Chavez was, in fact, deeply hostile toward “wetbacks,” as he (and many others of this time) called them. He was relentless in his efforts to halt immigration from Mexico and was active in pursuing the deportation of those already here. Chavez claimed that undocumented workers were driving down wages, and crucially, being used as strikebreakers. 

THE LINK BELOW (WHICH CONTAINED THE CONTENT ABOVE) HAS BEEN VOIDED, BUT I INCLUDE IT SO YOU CAN SEE. THE ARTICLE WAS FROM DUKE UNIVERSITY.

Chavez and the UFW were so against "wetbacks" that they  formed their own private Border Patrol.



Epstein Is Pizzagate?

PizzaGate & Jeffrey Epstein: What's the Connection? by Vanessa Mares

Disturbing new details are being released in the latest Epstein file dump.

Read on Substack

Victor Davis Hanson says the tide is turning

Tracking The Joe Kent Narrative: WHITHER, WHENCE, WHEN?

Friday, March 20, 2026

Monica Valli
Voodoo Child

Australian Prime Minister Albanese went to a Sydney mosque to stand against Islamophobia, only to end up being threatened, with everyone screaming “Allahu Akbar” at him

Trump Plans To OCCUPY Iran's Kharg Island - IRGC Fleeing Via Afghan Border

Dear Kathy Hochul, You Are In The FO Stage of FAFO ...

Victor Davis Hanson draws an uncanny comparison between President Trump and Winston Churchill

 

Russian Television (RT) Reporter Stands Next to Tunnel Israel Had Been Bombing, and Warned It Would Be Bombing Again ... RT Reporter Almost Hit ... Claims It Was a "Targeted Attack On Journalists"


Russia Today correspondent Steve Sweeney and cameraman Ali Rida were nearly struck by an Israeli missile on Thursday while reporting from Southern Lebanon. 

The outlet described the incident as “a DELIBERATE TARGETED ATTACK on journalists.”

“There’s no mistake about it,” they said. “This was an Israeli precision strike FROM A FIGHTER JET — RT corr Steve Sweeney who was wounded earlier today.”

While reporting on the ground, the missile could be heard approaching before landing right behind him as he braced for cover. “F*cking hell,” he exclaimed after the massive blast.

What a fucking lying pig.  

The UK, France, Germany, Italy, The Netherlands, and Japan Are Ready To Join in the Efforts to Open The Strait of Hormuz?

Official Twitter Account of Republic of Somaliland: We Have Proof That Ilhan "Omar's" Real Last Name is "Elmi," Changed to Hide the Fact That Her Father is a Genocidal Warlord


Here are the details on Ilhan Elmi's actual father -- a genocidal war criminal.
Between 1981 and 1991, the Somali military in which Colonel Nur Omar Mohamed, Ilhan Omar's father, served as a senior officer executed a brutal and systematic campaign of genocide targeting the Isaaq people of the modern day Republic of Somaliland.

This dark chapter in Africa's history, which was known as the Isaaq Genocide, was a merciless military campaign that resulted in the killing of over 200,000 Isaaq civilians. It also involved widespread forced displacement, scorched‑earth destruction of the second and third largest cities (Hargeisa and Burao), aerial bombardement of almost every other single city, town and village in Somaliland, and two decades of large‑scale red-terror style tactics against the civilian population of Somaliland.

It was carried out through relentless aerial bombardments -- planes repeatedly strafed fleeing refugees -- summary executions, burning of entire villages, deportations, land‑mining of water sources and homes, Holodomor style government enforced man-made famines (the Dabadheer Drought) and the use of paramilitary units such as the Somali Armed Forces' "Dabar Goynta Isaaqa" (The Isaaq Exterminators), composed exclusively of non-ethnically Isaaq soldiers, to enact mass killings under Somalia's military direction.
War-damaged houses in Hargeysa, a major city in northern Somalia, 1991.

Eyewitness testimonies documented "mass executions by firing squad, forced disappearances, looting, mass torture, mass surveillance, rape used as a weapon, curfews and mass killings of civilians even in areas with limited resistance or lawful liberation movement activities, such in Berbera where thousands of government soldiers were stationed. Isaaq civilians across what was then the Somalia Republic, were detained and executed en-mass by Somalia government execution squads led by Colonels like Ilhan Omar's father.

Across the country civilians were forced from their homes into dehumanising conditions, including many kept in dungeons, underground prisons and pits. Even famous Isaaqs such as Somaliland's most renowned poet 'Hadraawi' did not escape this torture and years of detention under the most brutal and unsanitary conditions imaginable. Even in Mogadishu, deep inside neighbouring Somalia -- and almosr 1,500KM from Somaliland's capital of Hargeisa -- Isaaq civilians were being killed in their homes, in the city and on Mogadishu's beaches. The Jazeera massacre of 1989 is a particularly brutal example that is etched in history.

At the heart of this brutal military regime was Colonel Nur Omar Mohamed, Ilhan Omar's father. His rank, authority, membership of the regime Daarood clan, and 10+ years of having climbed the hierarchy in Somalia military to the rank of Colonel, placed him squarely in the Somali military's command hierarchy during and at the height of its Isaaq genocide campaign. Based on his position, loyalty to the regime, and his role in the military, it is virtually certain that he had intimate knowledge of and involvement in the planning, conception, direction and execution of the genocide.

By both legal and historical standards, despite Ilhan Omar's team's spin in numerous recent articles which have been placed in left-leaning online publications, the logical conclusion that Ilhan Omar's father was almost certainly intimately involved in the Isaaq Genocide is unmistakable. It is supported on the balance of probabilities and the totality of circumstantial and inferential evidence available indicates, more critically, that it meets the threshold that this was the case 'beyond reasonable doubt'

THERE'S MORE HERE

John Solomon: US Intelligence Recorded Foreign Powers Discussing Routing USAID Money to Joe Biden in 2024, But They Hid This From Trump

TPUSA Beats Hollywood 25-17

Molly Tuttle
Everything Burns

Thursday, March 19, 2026

Hegseth Seeking $200 Billion To Replenish Bombs and Missiles

🚨Was Joe Kent Candace Owens’ mole in the US government, feeding her information about the Charlie Kirk investigation?

AND THEN THERE'S THIS:

WAR, SHIPPING LANES, AND THE CONSEQUENCES OF WAR

 

AND THEN THERE'S THIS: GO READ THE WHOLE THING.

I strongly encourage you to read the whole thing. 

Here is a key portion:

Now connect the dots. Strike Iran, and Europe either bends or goes dark in an energy crisis. The European shipping community and political establishment has spent the last year dismissing, undermining and mocking every Trump maritime initiative. They scoffed at the USTR tariffs. They laughed at the SHIPS Act. They blocked the IMO exemptions. They refused to take American maritime policy seriously. Now their energy supply runs through an insurance facility controlled by Washington. "Let their navies figure it out." Except everyone knows they can’t. European naval forces are too small, too slow, and too poorly equipped for sustained convoy escort operations through a contested strait. While the MSM is busy spinning Europe's failure to participate as a vote against the war... the smart players all know they aren't sending warships because they can't. All the European navies combined couldn't send more than three ships at a time to defend the Red Sea and an entire German Task Force sailed around Africa to avoid it. Eventually Europe will have to capitulate to get the U.S. Navy, and the U.S. insurance backstop, to fully reopen the Strait. And what does “capitulate” look like? The IMO carbon tax. Greenland. Tariff concessions. The SHIPS Act. Every maritime policy priority that Europe and China have been blocking for the past year.

The Hormuz Hypothesis – What If the U.S. Navy Isn’t in a Hurry to Reopen the Strait?

 

BREAKING: The Iraqi man who walked into a Texas elementary school armed with guns last week was already released from jail according to Daily Wire

BREAKING: Trump Announces Israel “Violently Lashed Out” and Hit Gas Fields in Iran, Claims US “KNEW NOTHING” of Attack and “NO MORE ATTACKS WILL BE MADE BY ISRAEL”

 


Joe Kent Under FBI Investigation For Leaking Classified Information

USS Tripoli, Loaded with 2500 Marines, Headed to Strait of Hormuz? Will The US Take Kharg Island?

BREAKING: In a STUNNING moment, CNN was just forced to report that Donald Trump has 100% MAGA APPROVAL

 Cesar Chavez, a Civil Rights Icon, Is Accused of Abusing Girls As Young at 13 for Years

Ana Murguia remembers the day the man she had regarded as a hero called her house and summoned her to see him. She walked along a dirt trail, entered the rundown building, passed his secretary and stepped into his office.

He locked the door, as he always did when he called her, and told her how lonely he had been. He brought her onto the yoga mat that he often used in his office for meditation, kissed her and pulled her pants down. “Don’t tell anyone,” he told her afterward. “They’d get jealous.”

The man, Cesar Chavez, one of the most revered figures in the Latino civil rights movement, was 45. She was 13. Ms. Murguia said she was summoned for sexual encounters with him dozens of times over the next four years.

Recently, more than 50 years later, Ms. Murguia learned that a street near her home in the Central California city of Bakersfield was in the process of being renamed. City officials want to name it in honor of her abuser.

Cesar Chavez Boulevard.

Ms. Murguia and another woman, Debra Rojas, say that Mr. Chavez sexually abused them for years when they were girls, from around 1972 to 1977. He was in his 40s and had become a powerful, charismatic figure who captured global attention as a champion of farmworker rights.

The two women have not shared their stories publicly before, and an investigation by The New York Times has uncovered extensive evidence to support their accusations and those raised by several other women against Mr. Chavez, the United Farm Workers co-founder who died in 1993 at the age of 66.

The questions raised by The Times about Mr. Chavez, one of the most consequential figures in Mexican American history, set off immediate reverberations and alarmed and disturbed his allies. Even before this article was published, upon learning of the reporters’ inquiries, the U.F.W. canceled its annual celebrations honoring Mr. Chavez, a response to what the union he once led called “profoundly shocking” accusations.

The Atlantic attacked Chavez in 2011, with an article headlined, “The Madness of Cesar Chavez” which noted that Chavez’s last days were chaotic, to say the least:

To understand Chavez, you have to understand that he was grafting together two life philosophies that were, at best, an idiosyncratic pairing. One was grounded in union-organizing techniques that go back to the Wobblies; the other emanated directly from the mystical Roman Catholicism that flourishes in Mexico and Central America and that Chavez ardently followed. He didn’t conduct “hunger strikes”; he fasted penitentially. He didn’t lead “protest marches”; he organized peregrinations in which his followers—some crawling on their knees—arrayed themselves behind the crucifix and effigies of the Virgin of Guadalupe. His desire was not to lift workers into the middle class, but to bind them to one another in the decency of sacrificial poverty. He envisioned the little patch of dirt in Delano—the “Forty Acres” that the UFW had acquired in 1966 and that is now a National Historic Landmark—as a place where workers could build shrines, pray, and rest in the shade of the saplings they had tended together while singing. Like most ’60s radicals—of whatever stripe—he vastly overestimated the appeal of hard times and simple living; he was not the only Californian of the time to promote the idea of a Poor People’s Union, but as everyone from the Symbionese Liberation Army to the Black Panthers would discover, nobody actually wants to be poor. With this Christ-like and infinitely suffering approach to some worldly matters, Chavez also practiced the take-no-prisoners, balls-out tactics of a Chicago organizer. One of his strategies during the lettuce strike was causing deportations: he would alert the immigration authorities to the presence of undocumented (and therefore scab) workers and get them sent back to Mexico. As the ’70s wore on, all of this—the fevered Catholicism and the brutal union tactics—coalesced into a gospel with fewer and fewer believers. He moved his central command from the Forty Acres, where he was in constant contact with workers and their families—and thus with the realities and needs of their lives—and took up residence in a weird new headquarters.

Located in the remote foothills of the Tehachapi Mountains, the compound Chavez would call La Paz centered on a moldering and abandoned tuberculosis hospital and its equally ravaged outbuildings. In the best tradition of charismatic leaders left alone with their handpicked top command, he became unhinged. This little-known turn of events provides the compelling final third of Pawel’s book. She describes how Chavez, the master spellbinder, himself fell under the spell of a sinister cult leader, Charles Dederich, the founder of Synanon, which began as a tough-love drug-treatment program and became—in Pawel’s gentle locution—“an alternative lifestyle community.” Chavez visited Dederich’s compound in the Sierras (where women routinely had their heads shaved as a sign of obedience) and was impressed. Pawel writes:

Chavez envied Synanon’s efficient operation. The cars all ran, the campus was immaculate, the organization never struggled for money.

He was also taken with a Synanon practice called “The Game,” in which people were put in the center of a small arena and accused of disloyalty and incompetence while a crowd watched their humiliation. Chavez brought the Game back to La Paz and began to use it on his followers, among them some of the UFW’s most dedicated volunteers. In a vast purge, he exiled or fired many of them, leaving wounds that remain tender to this day. He began to hold the actual farmworkers in contempt: “Every time we look at them,” he said during a tape-recorded meeting at La Paz, “they want more money. Like pigs, you know. Here we’re slaving, and we’re starving and the goddamn workers don’t give a shit about anything.”

Chavez seemed to have gone around the bend. He decided to start a new religious order. He flew to Manila during martial law in 1977 and was officially hosted by Ferdinand Marcos, whose regime he praised, to the horror and loud indignation of human-rights advocates around the world.

By the time of Chavez’s death, the powerful tide of union contracts for California farmworkers, which the grape strike had seemed to augur, had slowed to the merest trickle. As a young man, Chavez had set out to secure decent wages and working conditions for California’s migrant workers; anyone taking a car trip through the “Salad Bowl of the World” can see that for the most part, these workers have neither.

NEVER TRUST A MULLAH

BREAKING: House Narrowly Passes Legislation to Deport Illegal Immigrants Participating in Welfare Fraud

BREAKING: House Narrowly Passes Legislation to Deport Illegal Immigrants Participating in Welfare Fraud

The bill now heads to the Senate, where RINOs and Democrat holdouts are already sharpening their knives.


Schumer Slips, Admits Illegal Aliens Vote in US Elections

 

Senate Minority Leader Chuck Schumer on Wednesday admitted that illegal aliens vote in US elections.

Schumer made the admission during a marathon debate on the SAVE America Act on the Senate floor.

“The core of the bill is handing the voter rolls over to DHS, putting them through an algorithm designed by… Musk that knocks – supposedly knocks out illegal immigrants from voting – but the evidence is that almost no illegal immigrants vote!” Schumer said.


Humpday Blues

Robert Nighthawk
Annie Lee & Sweet Black Angel

Wednesday, March 18, 2026

BOMBINGS WERE ALL THE RAGE IN THE 70'S

 

FROM INSTAPUNDIT:

SUCKING IN THE SEVENTIES:

Tweet concludes, “‘Why don’t we know this? Why does no major book teach it?!’ Well, now — THAT’S a damn good question.”

To answer that question, let’s explore a similar one:

Hollywood has actually made two films on this topic — and both times, their directors, industry superstars Sidney Lumet in 1988, and Robert Redford in 2012, made the most sympathetic characters the bad guys setting the bombs. Why, it’s as if:


Shakespeare's birthplace to be 'decolonized' after British researchers say his work enables 'White supremacy'

The organization overseeing museums celebrating English playwright William Shakespeare’s life is reportedly working to "decolonize" his legacy in the name of battling White supremacy.

The Telegraph reported that Shakespeare’s Birthplace Trust, a British nonprofit in Stratford-upon-Avon, England, is working toward "decolonizing" its collection of Shakespeare-related artifacts to "create a more inclusive museum experience." 

In recent years, critics in the UK have been scrutinizing aspects of its history, even down to criticizing the use of the term "Anglo-Saxon" to describe the native peoples for which England was named. Now Shakespeare, despite being born in 1564 and largely writing plays that took place in Western Europe, is being scrutinized for his alleged impact on colonialism. 

The process of decolonizing Shakespeare’s work reportedly includes researching "the continued impact of colonialism" on world history and the ways in which "Shakespeare's work has played a part in this." The effort, which roughly means distancing work from western perspectives, reportedly began after concerns were raised that celebration of Shakespeare enables "White supremacy."

The trust has also warned that some items in its collections and archives relating to the iconic 16th century playwright may contain "language or depictions that are racist, sexist, homophobic, or otherwise harmful."

Shakespeare's Birthplace Trust reportedly worked on a research project with the University of Birmingham's Dr. Helen Hopkins, and concluded that praise of Shakespeare as a "universal" genius "benefits the ideology of White European supremacy." Their research concluded further that "colonial inculcation" spread European ideas about art and used Shakespeare as a symbol of "British cultural superiority" and "Anglo-cultural supremacy."

GRTWT

AND THEN THERE'S THIS:


US drops 5,000-lb. bombs near Strait of Hormuz

Elon Musk Says AI Will Lead To Deflation, "It Will Build So Many Things, So Fast for Humans, It Will Run Out Of Things To Build"

Joe Bonamassa
Midnight Blues

Tuesday, March 17, 2026

Joe Kent Resigns As Director of the National Counterterrorism Center, Says "We Started This War Due To Pressure From Israel and It's Powerful American Lobby"

Mother Speaks Out About Daughter’s Targeting by School’s Secret LGBTQ Club

 

GOD BLESS DOGE

AND THEN THERE'S THIS:

Israel said it had killed Iranian security chief Ali Larijani ...

Japanese politician Kimi Onoda: “Foreigners should stop whining about discrimination. Discrimination would not exist if people simply followed our laws and local customs"

AND THEN ...

Money Center Banks that Pushed the Tricolor Securities Fraud Are Being Sued by the Investors That Were Defrauded

Money Center Banks that Pushed the Tricolor Securities Fraud Are Being Sued by the Investors That Were Defrauded

Investors who bought now-worthless securities supported by the auto loans of Tricolor Holdings are suing the investment banks that issued them. JPMorgan, Barclay’s, and Fifth Third Bank promoted these securities as being “investment grade” even though their source of repayment was auto loans issued to non-citizens with no credit. Now those money center banks are being sued for their complicity in a spectacular fraud.

First, here’s a background summary on the Tricolor story, which I have written about several times, most recently this piece from last October, “Tricolor Auto Failure Follow-up: JPMorgan Takes a $170 Million Hit; Trump Disbands the Government’s DEI Agency that Was Involved

• Tricolor was a company that sold and financed used cars, and its primary market was Spanish-speaking non-citizens illegally residing in the U.S.

• President Trump’s crackdown on illegal aliens not only caused a cessation of sales, but it pretty much brought an end to repayment on Tricolor’s loans, too.

• Money center banks had securitized about $2 billion of Tricolor’s very high risk loans. These securities were much like the bundled, sub-prime mortgages from the 2008 financial crisis.

• Tricolor was engaged in a massive fraud, with the same collateral pledged to multiple loans and securities.

• JPMorgan and Fifth Third Bank also had outstanding lines of credit to Tricolor. They each took a massive loss of about $200 million from the default on their lines of credit.

• The federal government under President Biden had given its seal of approval to Tricolor and its securities, certifying them as “social bonds” under the US Treasury’s CDFI program (“Community Development Financial Institution Fund”), because Tricolor’s customer base was an “underserved community.”

While all parties involved deserve ridicule for thinking that a pool of lower-than-subprime loans could make a high-quality security, the lawsuit doesn’t just allege that the big banks were pushing a junk product, the allegation is that there was willful blindness to the fraud that was occurring. Further, with the fraud in plain sight, the banks continued to earn underwriting fees for promoting these fraudulent securities.

“Tricolor Noteholders Sue JPMorgan, Barclays and Fifth Third” [Bloomberg - 02/27/2026].  

In their suit, the noteholders claim the banks ignored “clear evidence” of fraud, including “alarming” 2022 and 2024 audits of the company, because they were earning millions of dollars in fees underwriting Tricolor’s securitized notes.   The CPA audits of Tricolor indicated waving red flags, including:

• Nearly half of payments received on a given day were posted to the wrong account.

• Defaulted loan accounts showed financial recoveries from repossessions, even though the subject cars were not actually repossessed.

• Loan delinquencies were inaccurately reported and re-aged so as to show those loans not being in default.

The plaintiffs accordingly allege that:

• JPMorgan, Barclay’s, and Fifth Third “responded by hiding what they had learned and sticking their heads in the sand to avoid learning more.”

• JPMorgan, Barclay’s, and Fifth Third withheld or misrepresented adverse information in offering materials for investors. Per the plaintiffs’ suit, “Defendants fueled and perpetuated Tricolor’s Ponzi-like fraud.”

When the Tricolor fraud blew wide open, JPMorgan’s CEO, Jamie Dimon, was quoted as saying ”It is not our finest moment. When something like that happens, you can assume that we scour every issue, every universe, everything about how it could be taking place to make sure it doesn’t take place from here. You can never completely avoid these things, but the discipline is to look at it in cold light and go through every single little thing, which you can imagine we’ve already done.”

Dimon added, ”When you see one cockroach, there are probably more.” To repeat what I said back in October, If there are more “cockroach loans” like Tricolor that are about to blow up, it is not an economic indicator, rather it is a sign that banks and investment houses abandoned their underwriting standards in pursuit of woke cred.

I’d also argue that it’s not fair for Dimon to blame employees whose “discipline” was lax. While this is only my opinion, I will state with a high level of confidence that plenty of lower-level analysts and underwriters at JPMorgan knew just how uncreditworthy Tricolor was, but senior management pressure for Community Reinvestment Act credits, woke bragging rights, government favor, etc., compelled every layer of credit approver to recommend approval for a lending facility that objectively should have been rejected.

Mr. Dimon stated that he was going to look at the Tricolor debacle “in cold light and go through every single little thing.” I hope he did. And if he has not yet uncovered why the underwriting and approval chain felt they could not decline the Tricolor facilities, then the light is clearly not cold enough.

As the lawsuit by defrauded investors moves forward, the question I’m most interested in isn’t “Who knew how bad Tricolor was, and when?” Instead, the question I have is why did otherwise intelligent bankers think they had no choice but to consent to promoting Tricolor as a good credit risk when the fraud and lack of creditworthiness were so evident.