Hi anser2477. You are totally right - but I want to point out 2 things for you. For one - I am unimployed coz I am awating and bypass operation in my left leg (but the operation is totally free in Denmark - due to high taxes) Secondly I have my young philippeno wife with me in Denmark - and my parents are paying for everything - and I only do have little money - and I do have other stocks like TSU - norweigin/canadian oil/shalegas company.