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How tax credit abuse scam works
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How could OK officials' allow a program to pay $2,000 in tax credits for each $1 invested? View
 
Is the Oklahoma Tax Commission misreporting information View
 
Who is taking how much in Oklahoma Tax Credits View
 
Abuse example ScissorTail Capital Company View
 
Porkocalypse - a program state lawmakers created to earn their own 200% instant profits. View
 
The Scissortail Fund tax credit scheme described View
 
Using artificial, bogus, dummy or fake loan schemes for fraud. View
 
Comparing Scissortail scheme to real venture capital funds View
 
Will the FDIC be successful in locating the Altus group's financial records? View
 
How OTC allowed Scissortail's $5.40 for each $1 invested View
 
Uncovering tax credits missing from Open Books and used to pay illegal tax refunds! View
 
One way the tax credit scam works View
 
Analogy of tax credit abuse shell game used by Scissortail and 10 others. View
 
Internal OTC emails reveals OTC issues hidden tax refund checks for tax credits! View
 
AG Balance Sheet View
 
AGEC Investors May082006 View
 
Oklahoma Tax Commission's misuse of public funds exposed by internal emails! View
 
One example of tax credit abuse shell game View
 
How Venture capital investment funding works View
 
Tax commission issued determination letters for $330 million more in mostly new programs that did not qualify under the grandfather clause as claimed. View
 

MAPI - Mountain Adventure Properties Investments
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Head of co. that received millions in state tax credits outlines 'complicated financial scam'! View
 
Altus Business Group View
 
Altus Ventures Business Plan View
 
4S Unauthorized Signators View
 
Colorado Land Scam Documentation View
 
4S $9M Promissory Note to First State Bank of Altus View
 
Altus Ventures LLC Web page View
 
Complaint Filed With OK State Banking View
 
Consulting Fees Don Anderson and Bill Grissom View
 
Demand Letter Altus Ventures to MAPI View
 
Docket Report 10.24.08 View
 
Mirror Accounts At First State Bank Altus View
 
Colorado Land Scam Financial Shell Game View
 
FSB Bancorp / First State Bank Altus receives E rating View
 
Bank fraud, Predatory Lending, Unauthorized Accounts? View
 
Colorado land scam executive brief View
 
Colorado Land Scam Lawsuit View
 
Colorado Land Scam View
 
MAPIProblemsAtVillagesAtHadden View
 
Are Oklahoma officials covering for a state bank's scams? View
 

Altus Venture - Tax credit abuse failure
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Head of co. that received millions in state tax credits outlines 'complicated financial scam'! View
 
Newly uncovered Altus Gang fake loan scheme involving over $1 Billion! View
 
Altus Ventures principals -- steeped in financial lawsuits View
 
Altus Ventures - Colorado land lawsuit invovling numerous financial wrongs View
 
Add a Colorado resort area lawsuit to an Altus group's ever widening net of financial misdeeds! View
 
Altus Venture biggest known abuser View
 
First State Bank, Altus fake loan scheme - spreadsheet View
 
Altus Venture uncovered financial records - spreadsheet View
 
Federal Reserve System Cease and Desist Order Issued to FSB and subsidaries, Altus, OK View
 
FDIC Cease and Desist Order Issued to First State Bank Altus, OK View
 
Altus Venture uncovered financial records PDF View
 
Altus City Council meeting September 2008 View
 
Altus Economic Development board meeting August 2008 View
 

Quartz Mountain Aerospace - Tax credit abuse failure
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CAPCOs - Capital Companies
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Origin of tax credit abuse schemes CAPCO a Trojan Horse scammed at least 10 state View
 
Comments by states taken in by CAPCO View
 
Are CAPCOs A Solution Or A Problem View
 
Understanding CAPCOs hidden schemes View
 
Affinity Ventures part of the Altus Gang using fake loans to obtain tax credits View
 
State-Sponsored Venture Capital: Are CAPCOs a Solution or a Problem? View
 
CAPCO Pamphlet. View
 
CAPCOs Draw More Heat For Keeping 60% Of Colorado Backed Funds As Profit View
 
Nothing Ventured - Millions Gained View
 
CAPCO Scammed At Least 10 States View
 
Other States Comments On Oklahoma'S Tax Credit Program View
 
Why other states dumped Oklahoma's CAPCO economic development program? View
 
What Other Learned That Caused Them To Dumped Oklahoma'S CAPCO Economic Development. View
 
Risky Ventures Complex venture-capital scheme that involves big risks and uncertain rewards for states View
 
Colorado CAPCO Demise Leads to Questions for Other States View
 
Colorado Governor Owens OKs taking CAPCO funds View
 
CAPCO Colorado 3 View
 
Colorado out to divert CAPCO funds. CAPCO's Bite Dust View
 
By any measure Colorado's CAPCO program has failed, State Auditor's report! View
 
Comparing CAPCOs used to scam states to private sector venture vapital funds View
 

Scams, shams and flim-flams
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Key players in Oklahoma tax credit fraud View
 
The Prowling Owl is right! John Daniel, fromer president of QMA, letter to Altus Times View
 
Is the Oklahoma Tax Commission misreporting information View
 
Now more than $1.3 Billion for less than 2 years View
 
Who is taking how much in Oklahoma Tax Credits View
 
Campaign funding and tax credit abuse View
 
10 Things every Oklahoma taxpayer should know! View
 
Tax credit fraud details found in Foxborough prospectus! View
 
Great Plains Tax Abuses View
 
Altus Business Group View
 
Ventures Known To Abuse Tax Credits View
 
Capital Formation Incentive Act a Flawed Law View
 
How could OK officials' allow a program to pay $2,000 in tax credits for each $1 invested? View
 
Foxborough and WFG Investments offering $2 in tax refunds for each $1 invested! View
 
Oklahoma's Taxpayer Transparency Act - not transparent View
 
Abuse example ScissorTail Capital Company View
 
More hidden tax credits raise known total above $1.3 Billion! View
 
$421 million in false claims slipped by Oklahoma officials' turned backs? View
 
New evidence OTC cover up - missing documents, hidden refund claims, blocking audits, more! View
 
A tax Flim-Flam man View
 

Tax credit abuses, ruses and official excuses
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Secret tax credit program for Oklahoma billionaire. Man authorizing tax credits takes some too! View
 
Ventures Known To Abuse Tax Credits View
 
Abuse example ScissorTail Capital Company View
 
Tax credit fraud in Oklahoma's investment tax credit incentive programs View
 
Oklahoma's Taxpayer Transparency Act - not transparent View
 
Now more than $1.3 Billion for less than 2 years View
 
Is the Oklahoma Tax Commission misreporting information View
 
Rocketplane another Oklahoma flameout scam View
 
Great Plains Tax Abuses View
 
Ltr to SEC - BOKF (Bank of Oklahoma) - evidence of fraudulent tax claims View
 
The Prowling Owl is right! John Daniel, fromer president of QMA, letter to Altus Times View
 
Did BOK Financial Corp - BOKF: engaged in illegal tax credit and avoidance activities? View
 
Unearned gains, BOK and insiders. BOK Financial Corp - Unreported Income and Tax Years BOK Financial Corp Insiders Robert G Heard - Cimarron Business Capital Company View
 
Overview What is involved What is involved How much is involved Who is involved View
 
List of those claiming investments and receiving tax credits View
 
Manager of state tax credit program got 99% of tax credits going to fund he provides oversight! View
 
State Whitewashing Letter Exposing Tax Credit Loophole Remains Open View
 
Evidence for suspected Bank of Oklahoma and Cimarron Business tax credit fraud. View
 
Oklahoma's Taxpayer Transparency Act Farce View
 
BOKF BOK Financial received tax credits for ineligible investments View
 

Blog on tax credit abuses
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$421 million in false claims slipped by Oklahoma officials' turned backs? View
 
Now more than $1.3 Billion for less than 2 years View
 
More hidden tax credits raise known total above $1.3 Billion! View
 
Secret tax credit program for Oklahoma billionaire. Man authorizing tax credits takes some too! View
 
Ltr to SEC - BOKF (Bank of Oklahoma) - evidence of fraudulent tax claims View
 
New evidence OTC cover up - missing documents, hidden refund claims, blocking audits, more! View
 
Tax credit fraud in Oklahoma's investment tax credit incentive programs View
 
Did BOK Financial Corp - BOKF: engaged in illegal tax credit and avoidance activities? View
 
Head of co. that received millions in state tax credits outlines 'complicated financial scam'! View
 
Foxborough and WFG Investments offering $2 in tax refunds for each $1 invested! View
 
Suspicious wrongs found in BOK Financial Corp (BOKF) SEC Filings. View
 
State Auditor and Inspector Report Oklahoma Capital Investment Board $31M in debt View
 
Overview What is involved What is involved How much is involved Who is involved View
 
How Oklahoma's Venture Capital Tax Credit Fraud Works View
 
Manager of state tax credit program got 99% of tax credits going to fund he provides oversight! View
 
BOKF BOK Financial received tax credits for ineligible investments View
 
Tax Commission auditors limited, restricted and findings ignored! View
 
Evidence for suspected Bank of Oklahoma and Cimarron Business tax credit fraud. View
 
Porkocalypse - a program state lawmakers created to earn their own 200% instant profits. View
 
Unearned gains, BOK and insiders. BOK Financial Corp - Unreported Income and Tax Years BOK Financial Corp Insiders Robert G Heard - Cimarron Business Capital Company View
 
$643 million fake loan tax credit fraud users! View
 
OTC allows BOK subsidiary $800 million tax credit claim for a previously closed program! View
 
Two tax credit claims filed for 2006 are explained below Altus Venture, Affinity Ventures, Quartz Mountain Aerospace, OK Industrial Venture View
 
How the fraud works BOK?s list of investments BOK claimed venture capital investments for ineligible for businesses Additional evidence View
 
Evidence of suspected fraudulent activities BOK Financial Corp (BOKF) View
 
Scissortail View
 
Fraudocalypse - one case reveals all. Fraudulent claims, official involvement, false reports. View
 
Uncovering tax credits missing from Open Books and used to pay illegal tax refunds! View
 
Newly uncovered Altus Gang fake loan scheme involving over $1 Billion! View
 
Source of evidence 2006 ? 2009 Oklahoma Tax Commission auditor?s questioning claim ignored Fraudulent financial transactions Failure to report income to avoid paying federal taxes View
 
How could well document evidence of tax credit fraud, go unnoticed? Obviously simple! View
 
BOK claimed tax credits for buying interest in Tulsa U, Tribes, YMCAs, Roman Catholic Diocese, OK State Fair? View
 
Internal OTC emails reveals OTC issues hidden tax refund checks for tax credits! View
 
Source of evidence (partial) 2001?2005, 2010. Potentially $369 million more Partial evidence for 2001 thru 2005 Most complete evidence January 2010 View
 
Tax credit fraud money trail: bank fraud, to obtain tax credits, exchange for tax refunds! View
 
Critical evidence found in Oklahoma Tax commission emails View
 
Oak Hills Capital View
 
Closed tax credit program still operating in secrecy, scamming tax credits. View
 
Tax credit programs operated in secrecy, to prevent discovery First, a quasi-state agency Second, OCIB was assigned sole authority Third, Heard the president outsources OCIB to self Heard authorizes himself $3.4 million and BOK $91 million in tax credi View
 
Oklahoma Tax Commission's misuse of public funds exposed by internal emails! View
 
Evidence - examination and results View
 
Oklahoma Tax Commission negligence and cover up New evidence uncovered since the original letter Copies of Oklahoma Tax Commission emails obtained Colorado land scam and tax credit fraud connection View
 
Ongoing tax credit investigation and achievements View
 
Involved parties References Caution over confusion View
 
The scam What Happened? Place liens on the property Deplete the funds to pay off loans Mirrored bank account Loan Kickbacks Bank and wire transfer fraud View
 
Summary BOKF (Bank of Oklahoma) - fraudulent tax claims View
 
Fraudulent investment fails within 16 months, OTC allowed keeping $2 for $1 tax credits. View
 
Mastin's Mafia caught red handed trying to cover up false reports! View
 
Coming unwound Colorado partners seize Altus Groups financial records Other noteworthy points related to tax credits include View
 
Other noteworthy points related to tax credits include View
 
Tax commission issued determination letters for $330 million more in mostly new programs that did not qualify under the grandfather clause as claimed. View
 
Tax credit fraud in Oklahoma's investment tax credit incentive programs, Overview. View
 
Weyerhaeuser received $109 million in tax credits: $673,000 per existing employee! View
 
Cease and Desist Order against FSB Bancorp and Affiliates View
 
Scheme used by Barry Switzer and others at Foxborough to get tax credits and sell at half price. View
 
Why did OTC hide Weyerhaeuser used $109 million in tax credits for 2007 and 2008? View
 
Tax credits allowed for claiming city payment to construction contractor was an investment. View
 
Scheme used by Barry Switzer and others at Foxborough to get tax credits and sell at half price. View
 
OTC gives Switzer's and partner's $15 million in tax credits for investing $1.5 million. View
 
$31 million tax credits, for investing $9 million, only $5.4 million goes to investments? View
 

News articles
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The Prowling Owl is right! John Daniel, fromer president of QMA, letter to Altus Times View
 
Great Plains Tax Abuses View
 
Rocketplane -- money gone,laying off,and where did it go? View
 
State Whitewashing Letter Exposing Tax Credit Loophole Remains Open View
 
Great expectations — Plains disappointment View
 
Corporate income tax drop slashes Oklahoma's budget View
 
Tax credit letter proves loopholes remain open View
 
Funding diverted from tourism vehicle View
 
OKScam - The Oklahoma County Commissioner Scandal View
 
Great Plains Airline's bankruptcy costs state millions View
 
State Auditor's report calling for more transparency is totally disregarded. View
 
Evidence Tax Credit Loopholes Were Never Closed View
 
The Great Plains Ripoff View
 
Altus group involved in GOP push to take over Senate View
 
Taxpayers may foot bill on defaulted airline loan View
 
Great Plains Airlines equipment sold at auction View
 
Rader Allegedly Delivered Political Jobs, Favors View
 
Taxpayer Transparency Act opposed by State Chamber View
 
Tax Credit Beneficiaries Contributions To Lawmaker Writing Bill View
 
Gavel to Gavel: 'Supreme' history View
 
A challenge for the OEA (re: tax credits) McCurtain Daily Gazette View
 
The Law: Oklahoma's Shocking Scandal - Time Magazine View
 
Calvey gets big donations from venture capitalists View
 
FDIC: Financial Report First State Bank of Altus, OK View
 
Loophole in tax law threatens budget View
 
Oklahoma Tax Commission Grand Jury Report View
 
Tax windfall covers 10 years for wealthy Oklahomans View
 
CAPCOs Taking Tax Credits View
 
Tax Credits Await Changes - which never came View
 
Quartz Mountain Aerospace once again in financial trouble. View
 
Tax credits may cost state millions View
 
Altus firm (Quartz Mountain Aerospace) leaves its employees out in cold View
 
Heat's on tax credit program View
 
Insurance troubles for furloughed workers in Altus View
 
Taxpayers in dark on tax incentive scheme View
 
Quartz Mountain Aerospace files for Chapter 7 bankruptcy View
 
Tax credit being abused View
 
Paul Doughty convicted of fraud, by jury. SIL-FLO Lawsuit View
 
Bill to end tax credit abuse signed View
 
Quartz Mountain Aerospace to get order to pay workers View
 
Bill to end 'shell game' goes to governor View
 
House votes for bill introduced to put brakes on tax credits View
 
Quartz Mountain layoffs View
 
Tax credit legislation signed out of committee View
 
Were citizens of Altus kept in dark about public funds used for loan? View
 
Fix for tax credit fiasco to be put on table View
 
Quartz Mountain Aerospace sued by Altus bank View
 
House moratorium scratched View
 
First production cycle on 68 airplanes in September View
 
Oklahoma legislator Mike Reynolds says tax credit plan is abuse target View
 
City of Altus loans Quartz Mountain Aerospace $200,000 more View
 
Tax breaks increase along with state's revenues View
 
Oasis (Altus Venture) Involvement in Hayden Lake legitation View
 
No repairs at Lake Village View
 
Town Board could fix problems at Lake Village subdivision View
 
Town votes to call bond, letter of credit for stalled Lake Village neighborhood View
 
Lake Village development partners still trying to iron out problems View
 
Holes in roads fixed at Lake Village View
 
Quartz Mountain Aerospace, Inc. Expands Operations to Coffeyville View
 
Quartz Mountain Aerospace news articles View
 

Capital Formation Incentive Act - that flawed law
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Capital Formation Incentive Act a Flawed Law View
 
Capital Formation Incentice Act the flawed law View
 
Capital Incentive Formation Act background and basics View
 
Guide to key features View
 
Guide to locating the flaws and loopholes View
 
State statue index View
 
Guide to key sections View
 
Index map View
 
The cover up - denying the public access to information about the program View
 
Showing were only 25% of the public funds are required to be spent creating jobs in Oklahoma View
 
Protecting those abusing the law View
 
Stripping the public of all its protection against wrong View
 
How some are using public money to buy businesses without investing one dime of their own money. View
 
Denying the public claw back -- allowing those defrauding to keep Keeping stolen money View
 
Reports View
 
Rural small business investment incentives View
 
Authorizing those taking tax credits to sell for cash View
 
Authoring the use of loans, including the use of artifical loans View
 
Disqualifying successful venture capital firms in favor of those with a history of financial lawsuits View
 

Commentary
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Campaign funding and tax credit abuse View
 
Crony capitalism View
 
Corruption Oklahoma Style,Tax Credit Sham View
 

Frequently Asked Questions
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Key players in Oklahoma tax credit fraud View
 
The Prowling Owl is right! John Daniel, fromer president of QMA, letter to Altus Times View
 
Is the Oklahoma Tax Commission misreporting information View
 
Now more than $1.3 Billion for less than 2 years View
 
Who is taking how much in Oklahoma Tax Credits View
 
Campaign funding and tax credit abuse View
 
10 Things every Oklahoma taxpayer should know! View
 
Tax credit fraud details found in Foxborough prospectus! View
 
Great Plains Tax Abuses View
 
Altus Business Group View
 
Ventures Known To Abuse Tax Credits View
 
Capital Formation Incentive Act a Flawed Law View
 
How could OK officials' allow a program to pay $2,000 in tax credits for each $1 invested? View
 
Foxborough and WFG Investments offering $2 in tax refunds for each $1 invested! View
 
Oklahoma's Taxpayer Transparency Act - not transparent View
 
Abuse example ScissorTail Capital Company View
 
More hidden tax credits raise known total above $1.3 Billion! View
 
$421 million in false claims slipped by Oklahoma officials' turned backs? View
 
New evidence OTC cover up - missing documents, hidden refund claims, blocking audits, more! View
 
A tax Flim-Flam man View
 
Rocketplane another Oklahoma flameout scam View
 
Origin of tax credit abuse schemes CAPCO a Trojan Horse scammed at least 10 state View
 
Tax credit fraud in Oklahoma's investment tax credit incentive programs View
 
Helping us raise awareness of tax credit abuses View
 
Ltr to SEC - BOKF (Bank of Oklahoma) - evidence of fraudulent tax claims View
 
Did BOK Financial Corp - BOKF: engaged in illegal tax credit and avoidance activities? View
 
Secret tax credit program for Oklahoma billionaire. Man authorizing tax credits takes some too! View
 
Head of co. that received millions in state tax credits outlines 'complicated financial scam'! View
 
$370,000 in questionable campaign funds while tax credit crafting legislation that failed to close loophole View
 
Unearned gains, BOK and insiders. BOK Financial Corp - Unreported Income and Tax Years BOK Financial Corp Insiders Robert G Heard - Cimarron Business Capital Company View
 
State Whitewashing Letter Exposing Tax Credit Loophole Remains Open View
 
Oklahoma's Taxpayer Transparency Act Farce View
 
The Scissortail Fund tax credit scheme described View
 
4S Unauthorized Signators View
 
Faqs View
 
Suspicious wrongs found in BOK Financial Corp (BOKF) SEC Filings. View
 
Great expectations — Plains disappointment View
 
Comments by states taken in by CAPCO View
 
How to help raise awareness of tax credit fraud and abuse View
 
Evidence for suspected Bank of Oklahoma and Cimarron Business tax credit fraud. View
 
Tax Commission auditors limited, restricted and findings ignored! View
 
Oklahoma officials profiting for protecting criminal enterprise! View
 
BOKF BOK Financial received tax credits for ineligible investments View
 
Manager of state tax credit program got 99% of tax credits going to fund he provides oversight! View
 
List of those claiming investments and receiving tax credits View
 
Rocketplane -- money gone,laying off,and where did it go? View
 
How Oklahoma's Venture Capital Tax Credit Fraud Works View
 
Altus Ventures Business Plan View
 
State Auditor and Inspector Report Oklahoma Capital Investment Board $31M in debt View
 
Overview What is involved What is involved How much is involved Who is involved View
 
Capital Formation Incentice Act the flawed law View
 
Porkocalypse - a program state lawmakers created to earn their own 200% instant profits. View
 
Why did OK lawmakers fail on two occasions to close a huge tax loophole? View
 
Using artificial, bogus, dummy or fake loan schemes for fraud. View
 
OTC allows BOK subsidiary $800 million tax credit claim for a previously closed program! View
 
Colorado Land Scam Documentation View
 
Corporate income tax drop slashes Oklahoma's budget View
 
Comparing Scissortail scheme to real venture capital funds View
 
Bait and switch. Oklahoma's Taxpayer Transparency Undermined View
 
Great Plains Airline's bankruptcy costs state millions View
 

Help tips
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Helping us raise awareness of tax credit abuses View
 
How to help raise awareness of tax credit fraud and abuse View
 

Main Site
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Helping us raise awareness of tax credit abuses View
 
10 Things every Oklahoma taxpayer should know! View
 
How to help raise awareness of tax credit fraud and abuse View
 
Faqs View
 
Scads of Scandals, a History View
 
OKScam - The Oklahoma County Commissioner Scandal View
 
Contact us View
 
Legacy of bribery and kickbacks are part of Oklahoma's history View
 
Bootlegging, a legacy of bribery and kickbacks. View
 
Oklahoma's corrupt culture a result of huge overnight growth spurts and shortages View
 
Give us your comments View
 
Tax breaks increase along with state's revenues View
 

Miscellaneous
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Oklahoma Tax Commission
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One example of tax credit abuse shell game View
 
Fix for tax credit fiasco to be put on table View
 

MetaFund another proud user of tax credit abuse program
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Players involved and/or turning their backs
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Key players in Oklahoma tax credit fraud View
 
A tax Flim-Flam man View
 
Oklahoma officials profiting for protecting criminal enterprise! View
 
State Rep. Kevin Calvey Dubious Relations and Suspicious Contributions View
 
Dubious Relations Lobbyist and Lawmaker View
 
Task Force tax credit study a whitewash to cover up fraud, or arrogant and clueless politicians? View
 
Rader Allegedly Delivered Political Jobs, Favors View
 
Gavel to Gavel: 'Supreme' history View
 
The Law: Oklahoma's Shocking Scandal - Time Magazine View
 
OK officials cover for fleeing bank failure suspects! Part 1 View
 
Key Players View
 

Great Plains Airlines - Tax credit abuse failure
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Great Plains Tax Abuses View
 
Great expectations — Plains disappointment View
 
Great Plains Airline's bankruptcy costs state millions View
 
The Great Plains Ripoff View
 
Taxpayers may foot bill on defaulted airline loan View
 
Great Plains Airlines equipment sold at auction View
 

RocketPlane another $18 million scammed
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Rocketplane another Oklahoma flameout scam View
 
Rocketplane -- money gone,laying off,and where did it go? View
 
Funding diverted from tourism vehicle View
 

Scissortail another smell another fail while losses swell?
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Tax credit fraud in Oklahoma's investment tax credit incentive programs View
 
Abuse example ScissorTail Capital Company View
 
The Scissortail Fund tax credit scheme described View
 
Comparing Scissortail scheme to real venture capital funds View
 
How OTC allowed Scissortail's $5.40 for each $1 invested View
 
Scissortail View
 
AG Balance Sheet View
 
AGEC Investors May082006 View
 
Tax commission issued determination letters for $330 million more in mostly new programs that did not qualify under the grandfather clause as claimed. View
 
Newly uncovered documents expose more tax credit abuse details. View
 
$24.5 Million in tax credits and funding for Ardmore’s phantom MG auto plant! View
 
Beyond ridiculous! $68 in tax credits for each $1 invested? What does this tell you? View
 
Was private jet bought with tax credits gained from another phantom investment? View
 
Why did the Oklahoma Tax Commission legitimize this scheme? View
 
AGEC Investors May082006 View
 
Scissortail offer View
 

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The Prowling Owl is dedicated to exposing public corruption, fraud, scams, embezzlement, and such. Any questioning the validity or accuracy of information on this Website should be provided with clear and consise specificity regarding information in question and evidence. The Prowling Owl will take appropriate action. Correcting any information demonstrate to be inaccurate or invalid. See disclosures   Email: Prowling@prowlingowl.com