Well there's a way to fund the 4x acct.... tho he puts in 8 full.....I'd simply work both AM & PM commutes & get the most bang....say 4 hrs a day tops. & of course take wknds off...so that 1/4 mil per yr would be more like 100K or thereabouts....'nuff for me ;)~ Now where's that windex bottle hide'n?