I could not agree with you more. Don't bother trying to understand what he is saying because he keeps contradicting himself in his argument. I believe he does not even understand how overnight interest work for Versa based on his comments. When he loses an argument, he just change the topic into something unrelated. Even when you clarify further, he will just ignore it and keep posting more garbage. I have experienced it myself before. He also likes to spam facepalm and clap smilies in many of his posts which is just so irritating.