DA, Carmichael, and Carr are like the toxic mortgage backed securities that caused the 2008 financial crash. Until we purge them from the books, this organization will not get off the floor.
And possibly Loomis honestly.. I definitely have heard him say that he doesn't believe in rebuilds. OK, but everything is fluid and maybe, just maybe you get to a point where you have to change your approach.
And we're pretty much there now where we cannot continue down this same trajectory. The window is slammed shut, and to the extent that it can all be overhauled, it needs to be overhauled.