It's not my "presumption." That figure came directly from the lips of Penn Fed President Rocco Ali at the recent PGC public meeting and is now a matter of record.

And that significant percentage as well as the fact that Penn Fed is hemoraging members and clubs is a well known state of affairs.

Doug, I didn't think you'd want to identify that PGC source of info concerning my report cards. It would prove to be a very interesting matter should you have told the truth. As it is, it's just anotherfigment of your vivid imagination; much like your habitat and Game Land rants.
Your credibility is rapidly headed south.