perhaps in the short run, but I can't wait for the long run results....while you are still gambling whatever meager savings you have, I'll be investing in other prime opportunities for the long run........I can take the short term pain,,...you can't....and thats okay, because thats human nature.....you want something for nothing....the lazy way out....not a problem....we just all know what we are dealing with when it comes to you......thanx for your bevy of posts showing us the history of your oh so predictable behavior..... :)