At this point, I wish i had kept my money in a mutual fund throughout the past year - ha, but that's me. I'm not bashing this thing either, I'm just sick of trying to find the good, so don't get too defensive with me, I'm not trying to sway anyone to do anything, I'd like to see some diamonds just as much as you would. Everything is IMO just as you said, it should be as obvious for you to see that everything I write is my opinion as it is for me to see it - but that is also my opinion. GL