I'm with you. It seems the integrity piece is just not a consideration for some as the drive for money outweighs better judgement based on personal values and beliefs. That's why I'm here on this board reading your posts and not the APS or newsletter advice provided by "one hit wonders". No bad on anyone here who wants to make money and retire, I'm with you or I wouldn't be here--it's all a matter of understanding the environment and the laws of the jungle. We all have the boundaries we won't cross...Thanks again Doc.