Clownie, I know what my time is worth, and my guess is that you know what your's is. Your contributions here have been invaluable; your ability to "keep us in the game" with real, substantive information could be worth hundreds of thousands, or into the millions for some of us. I'm happy to compensate you for your time. All I'm good for is some investing experience over the past 30 years, and Johnnie Blue stories.