One more thing- I don't know if Serge is giving people back their money but go ahead and ask him about it- And don't forget to be as up front about your fears as possible- Tell him your afraid he is trying to cheat you and tell him you don't know what to think about all the red tape that might be- Put it all out on the table- That is why I say do it in person- Then after you see and hear everything, make your decision based on what info you extract-- I hope for and know the best is yet to be for us and I hope for all of you too--