... Archie.

>> Because it proves nothing ...

Incorrect, I'm afraid.

>> ... and only causes more hard feelings among friends of those whose names
>> are mentioned who's only crime was to keep their mouth shut....

What justification is there for "keeping your mouth shut" when you have information which may demonstrate that some club members are intentionally defrauding others?

>> ... the first advice any lawyer gives to his client(s).

Yes, if they are suspects. In our criminal system, however, witnesses who will not incriminate themselves have no right to refuse to provide information to investigating authorities.

----- jim o\-S