Thanks Frank. Please don`t let the pinheads and mental dwarfs get you down. There are a great many of us who highly value your input including your opinions. I, too, have faith in edig. I am moving some regular brokerage account PTSC money into a Roth and buying edig. Guess that`s the best proof of my statement of faith - I am still buying. Stay well my friend and try to keep `em on the course.