CHECKMATE

I am ashamed of my former firm Morgan Stanley for representing to me, my former colleagues, and their clients a security known as the Kemper Lumbermens surplus notes as a bond instrument highly rated for investment-grade fixed-income clients when, in fact, it was not a bond but a surplus note--a totally alternate security.

As a former compliance comanager of seven EF Hutton offices in Florida and an NASD/FINRA industry arbitrator, I was the financial adviser at Morgan Stanley who would do my best to evaluate and investigate what happened in the surplus note.

I don't have a clear understanding of the regulator's motives or why the Wall Street Journal would not follow up on the original article they wrote about me on May 24, 2008, which elicited my need to stay in and fight on for the past decade.

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