Fred, I dunno but I guess you are one of these gentelmen: https://media.bizj.us/view/archive/triangle/print-edition/UnitedWesternBank.jpg?v=1 Cuz, know what? IMO, no (FDIC or not) employee has your habilities, energy, passion (and motivation 'LOL') *Sometimes* you even have a really good & smart sense of humor ;) Thanks for your 'crazy' but *priceless* contribution Fingers crossed PS: Frankie, Githerdun