It’s not being pessimistic, it’s being a realist. What do you want? Me to lie to you? It does seem that’s what people want. I tend to be blunt and tell the truth, and I often get slammed for it. I don’t tell people what they want to hear. The honest truth is there is a < 1% chance I will ever get MI back. I know it’s not what I and others want to hear, but it is the truth.