THE Chinese new year of the Monkey barely started, but already blessings seem to be raining down on Sjamsul Nursalim. The Indonesian Bank Restructuring Agency (IBRA) has awarded Sjamsul the status of a cooperative debtor because he is considered to have fully met all the requirements laid down in the Master of Settlement & Acquisition Agreement (MSAA) he signed with IBRA. A debt settlement letter, the ticket to a release and discharge letter, is