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 you are presuming that to equal a "crack in the rock". I take a 30-40% dissatisfaction to be a minority. You're grasping at straws. Come back when dissatisfaction is 60-70%. Until then your point is weak.