Damn Bernie, Chill out and cut us a little slack here! "It's hard to deny" was used as a figure of speech and I wasn't trying to say your numbers or AIM were wrong! I agree with you about AIM, however I do not believe that AIM BTB is the absolute final answer! I guess "Vealies" and suggested cash levels based on the IW would fall into the same category as "anything else you will come up with" also.