Keith, I don't know if you saw the recent complex CSGCOS(CC1) from t clark 1.With the tweaked version it is almost 1000 times better than buy and hold over 20 years. Regards Marc <A HREF="http://www.investorshub.com/boards/read_msg.asp?message_id=10426117" target="_blank">http://www.investorshub.com/boards/read_msg.asp?message_id=10426117</A>