zab, with respect -- I know everyone of us learned early >>> but a capitolistic system that has become totally unfair<<< life is unfair have I ever told you about the $millions$ I do not have because 1 - did not buy MSFT (lord I know so many who did) 2 - ditto INTL 3 - WMT -- it was not only the Waltons that got rich etc dam, life is not fair I relish every one of these super rewarded persons (we, the US citizens own at least 25%, maybe up to 75% (depending on their tax consultants) of their fantastic good fortune) if we could only control our spending