papa: First time posting here. Have to say I'm confused. On RB I see some posting definatly about a r/s. I haven't found anything to back that up. I'm in FBNI ,way too high (.013). Bad judgement on my part. What is the real scoop. R/S or no R/S? I know it was approved by BOD, but has it been implemented? THX ---shaolin
" The most certain way to assure total victory is to understand that anything less, is a defeat."