hey bike, hope you didn't fall off your bike and get brain damage, just kidding, nothing wrong in protecting your investment, but it is fact that one can not move a mountian but many can, can't be more simple than that,don't know if it will make a differance in everyone getting certs here, but it sure can't hurt either, don't expect everyone to do it, but myself, rather be safe than sorry, I don't think losing my money to be funny and I know most of the investors here don't either, if there is anything I can do that will help turn this around, im going to do it and there are a lot of others here that will also, if there is anything you want to share with us that you feel will help, please post, one must have a dream to Succeed, thats why im stargrazer, hows that for funny.