MG TY for your sentiments. This is not a competition. It's about an educated guess/ hypothesis is the scientific word. I was willing to stake a higher claim. It's also a challenge of self discipline. Self discipline is a core value that anyone in business should posses. Warren Buffet for example. My educated principle, although I used Texasoil, Ryan and others info, I made a decision that I can afford. True it will be disappointment if my judgement is incorrect. However, if correct, I will enjoy my accomplishment of intelect and the cash is a gift to have something to give.