Stoxmagic,
What a wonderful and inspiring post. I want to my heartfelt gratitude to you (and several others) for being the calm voice of reason when the storm has raged all around us. I am a novice with my prior experience being managing my 401K (WOW!ha, ha). I have spent every second that I could spare learning and researching our spng (and exph). Being a novice, it would have been very easy to fall prey to the mean-hearted of our group but you helped me to keep my focus. I must admit that Friday in June nearly gave me a stroke, I actually felt physically sick, even had a moment of vision disturbances... black and white flashing spots. Whew! What a day. But I stayed the course. I do not have the priviledge of private posting and I pray you get my message. Have a wonderful weekend, Sir. Sherry