I write to say Newtofo has posted much helpful information and raised important questions. To say he is of the manipulator variety is not in alignment with the words written. I think we are all a little cranky waiting for a return on investment. Regardless, we should all be able to post questions and comments on either side. In fact, I miss the person who couldn't correctly spell George. The comeuppance of the naysayers will be sweet tonic the day my red ink turns into dark green lettuce.