'catty'...Please...for the record enlighten me on your charges that I am defending BA. I do not think either post you refer to proves your point. I still believe BA is run by competent people....competent in regards to KNOWING THE LAW. I do not hold BA in high regards...I want to be clear on that...however they do an EXCELLENT JOB OF HIDING BEHIND DISCLAIMERS...these disclaimers ALLOW BA to do what they do JMHO.