Normally, I would agree with you about keeping discussions of religion off this board. Except where it is relevant. Obviously, I think it could be a factor and the reason is that I think LDS consider all business to be "church" business--an opportunity to serve. It's built into their world vision--their concepts of what is right and wrong. Enough said; I'll quit this thread. Sorry, if this offends anyone beliefs around fairness and justice. ORY