the PAYS experience is helping me accumulate here, too. That's why we all need to be able to ride some "swoosh" factor take-down opportunity to buy. I will have funds ready for that. I missed a couple in the TPNL/PAYS early days. Not this time. I like our odds here. The story should bring back any "swoosh" take down in short order. I can ride this, i think. GLTA