ibizbeliever... I know that you were not directing your question to me. So excuse me for interjecting. But I would suggest calling Mark Perkins and ask him that very important question in person. Recently I was VERY impressed with his willingness to talk to me as a common shareholder. He could not answer the question though regarding how much CD conversion is still ahead of them. But you have great questions that I doubt you will find answers for on iHUB, RB, etc. Heck, even Mark doesn't have all of the answers. I was in and out of IBIZ rather quickly, but I have not ruled out getting back in yet.