U correct to the penny. All the people I know who are rich had one big thing go right for them in their lives that was a foundation. Hopefully thus is ours. To be fair I started with $120k and hit some big hits when otc was hot for a few months! Been gut wrenching to watch 800k go down to 200k with Etfm - but we on the way up and I think .03 cents very soon.