RainmanOregon..I have discussed the A/S with John Rossi and it is in the Agenda to reduce the current number! I am quite aware that John Rossi is staying very current with this board and I STRONGLY suggest that we post our suggestions ..So I myself am not comfortable with risk indicators of greater than 600-700 million A/S..perhaps 1 billion.. but that is it unless solid justification merits true need for a higher A/S ..! ...SC