Novo, About a year ago I reached that point. The year before I was up a Mercedes, now I might be able to buy a cup at Starbucks . . . if I wasn't so cheap as to never go in there. I don't know a Mochalattecappuchinodeluxe from a cuppa tea. And not only too bashful to go in and make a larger fool of me than usual, I truly am too cheap to pay their prices. But my stock account is so low that my broker wants me to pay him each month for the paper it takes to print my tiny account. Walk