None the less....if you have people on here stating...if you have questions call or email TMMI, and then someone says they emailed three times and hasn't received any response, people here shouldn't respond with...they don't have time to answer your questions....maybe if some of those questions were answered I would invest more...as of right now, my investment with TMMI was made over a decade ago, and I very happy with it right now, maybe if some questions were answered I would add to it