Ban--I can appreciate an intelligent response. You are right, I do have an axe to grind. In my opinion, the economy excuse is played out. There are lots of people trying to hide bad behavior behind the big bad economy. A lie, is a lie, is a lie, is a lie. Come on, you are smart, and judging by the way you write you are also educated. You know better. The economy is no excuse for illegal, oh sorry, I mean unethical behavior. All IMO of course.