Russ, we all get over our head on occasions..It is part of growing pains..Risk takers will be rewarded someday, but as you mentioned, you do have to admit when it happens , and make ammends..I appreciate your attitude, over the experience and would hope Phil grows from the experience..
Phil, keep plugging away,this is how you get the experience to succeed,both good and bad..
Phil, my advice, contact Russ and get on the same page without hard feelings,,Russ has said it is not the money..