Ok I was going to suggest 'Garsehs' from Cash's post 75107, but I think we have to defer to your most accurate military definition of the situation. Can we require a license to Paggle be obtained prior to one Paggling?? MinaMar could issue the certs. I think HCPC 's future will involve a lot of Pagglers. If the bank deal is actually in the works, that list has a lot of details to master, and assemble. Not impossible though. And what a return. GLTA LC