Fair enough. What's your opinion regarding the point that Mr Gilmour is making? 'I should highlight there are many good things about the Build the Buds, however the capping of the Reserve Fund at ONLY £500,000 is something I must speak out about. This was a figure voted on, by no doubt well-meaning individuals, most of whom have absolutely no experience of downsizing either a company or indeed a football club with a £5 million plus turnover. This figure represents a mere 10 per cent of St Mirren Football Club’s annual turnover and does not even match ONE MONTH of our current outgoings. The Club could, and in all probability will, face difficult decisions in future should our fortunes fade, and history bears out that they will. Dealing with this is a very difficult and costly operation to carry out. Employees do not just walk away; you cannot get out of contracts. You should be aware that another club of similar size, Motherwell FC have a fund of £1 million, by coincidence exactly the figure I believe should be our minimum at this point. And one that should be subject to review in five years.'

I don't recall suggesting anything even close.  Maybe you've misunderstood the post below?   

I will do. I don't need the people on P&B to do my thinking for me...