I played AIG way back when and that's a reference of experience as well :) to each his own. JGWE is not a broke bankrupt company so stick to your experience and if sharing 'fear factors' is a personal forte, enjoy. I'm stayinin with JGWE. Any risk taker that does, has courage not fear. I'm not easily mislead by 'others experience' :) GN all :) over and out