David Happy New year to you Bro thanks for the info you sent me on ETF's i been reading trying to learn a little of the basics i should ready to start jumping in within the next couple weeks i appreciate any guidance.. i talked to some members from Vitro and i am suppose to contac them at the end of month will keep you updated if its anything worthy. I been reading some of you guys post nice info good luck to all on the board in 09