I think he's (Wolf) right. I always have trouble with that calculation myself, & I spent 11 years paying high fees to the Univ. of Calif. system ;-(

What I also think this topic demonstrates is there are a few regulars on this board that pick apart everyone else's text and asks for "proof" if the poster questions the company. However, these same individuals are apparently given a pass when they throw their support (I won't call it blind support, but unless they have inside info they aren't sharing that seems to be what it is) for the company and don't have to answer the questions.

In the past week or so, I have tried to pick apart those questions or statements to get them addressed here in some of my posts and typically get criticized for it (the phone call deal for example).

proof that the internet is serious business!