I was chatting with a man working on the site here only yesterday ,the topic of holidays came up ,and he told me he was just back from New York,I asked what he thought of it ,...he hated the place too,...lower Manhattan he stayed in,....I said to myself thank fuk,it's not just me lol....I'm still paying for the holiday,my loan is almost done , another month Ive it paid off,some waste of time and money