NSAV#$$: Yes Bulba and JuneBugs, it have been rough seas and as I stated 2 weeks ago, SBC is carefully and slowly navigating us thur' the storm and that it was going to take balls of Steel to stay the course. It has not been easy and everyone has their own tolerance level.. I was glad to see the Fed Rate increase of .75 . A few more at .50 and 1 more @ .75 and maybe see can see a soft landing by December.