For readers who have been following the financial woes of the Hermitage Club, many would agree the next few weeks will likely mark a tipping point for the future of the club.  According to club president Harper Sibley, as reported here last week, the club is close to securing a $25 million to $30 million refinancing note.  That loan, should it come through, is said to be enough to put the club on better financial footing and help it to dig out of the deep financial hole it is in.