hawk flying,Agin thanx Milton2! JB did everything right since SEPT 2010,(well really long before that but)we are past that point,HDI is covering our back. MLV has set JB on a pathway that is well advised and JB getting a class "A" lawyer to bundel the insurance policies BREATHLESS! We have no#2 in sight. However as with any investing Milton2 sez be very VIGILANT!