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But the story did not finish there. The mummified head remained on the spike for greater than 20 years, when it was blown free by a storm and snagged by a soldier who stuffed it in his chimney for safekeeping. From there, it passed by means of varied arms, was displayed for a time in a touring curiosities show, and was finally offered to the Wilkinson family, who saved it in a velvet-lined field for 146 years, occasionally exhibiting it to shocked dinner guests.

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The focus teams comprised borrowers with varied genders, annual incomes, authentic balances (for on-observe borrowers and basic, off-track borrowers), current balances, institutional sectors, highest ranges of schooling, and racial/ethnic groups. (See Table B.2.) Though each effort was made to make sure range in the members, the focus groups are not representative of all borrowers.