Wow thanks for the info, I am STILL SO EXCITED.! YES, DMAN$$$$$$$$$$$!!! 100 people over 65 were interviewed, the question was, What is the one thing that you regret? The number one response year after year is, "I WISH I HAD TAKEN MORE FINANCIAL RISK!!" DMAN AN EDUCATED FINANCIAL RISK!!! IMHO GO DMAN$$$$$$$$ GLTO