Kristine, welcome to the board and you will fit in just fine. Don't worry about being too late to the party. I felt that way initially and that has not proven to be true. I am pretty new here and have been accumulating almost daily, mostly at the ask and sometimes at the highest price of the day. So far, and I expect it to continue, I am way up on my purchases. Listen to Monk, he is the leader, and he and the others here will give you the support and confidence that all of us need. I'll give you another Person Mark for your courage, honesty, and good sense in joining us. Believe me, we have all been where you are and your fortunes are about to improve, if you listen to Monk. Mine have.