BB/BB Yes academic - and granted MLNJ probably is a Merrill Lynch office in New Jersey owned and operated by Herzog..... But I love those challenges of trying to find out an answer by surfing the web. Time for me to leave the office this fine Spring day and coach a bunch of K-1 kiddies in the finer art of Soccer. Take care, GG The best weapon against "fear" is "<b>facts</b>"!