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Response: I sent you a message on the 11th with an explanation as to why I was sending the swap late. I sent you another message on the 15th telling you that I had mailed the swap to you on the 13th of December, just 2 days past the due date. You did not have the courtesy to respond to either of those messages. I am sorry that the nickle fell off of the rolo in the mail, but that happens sometimes; it is not reason enough to rate me with a three. You waited 2 weeks to rate me so that you could give me a 3 instead of rating me as soon as you received the rolo.