You're right we need to get back on topic. I know I take it more personally than I should, but I see it as a very personal thing when bashers come and try and manipulate everyone's money situation for their own personal gain. I appologise.
Nice to have you here, jerad2. You should have been able to glean some good info from jimstr's response to your question back on 11/05. There will always be naysayers, btw. Cheers, Thurston