Excellent post Sculpin! Knowledge is power, and those that have the knowledge supported by facts have the " Power " . It provides solid confidence and assurance in our life and in our investment decisions. We are all here to support and help our families; the due diligence must be available in order for each individual to make a sound decision with confidence. I commend you; for this strong foundation been built on hard work, time invested for research and evaluation. Thank you Sculpin! and all Hub Leaders. Each individual can examine and weigh their own level of risk based on knowledge, not emotion and fear. Stand Strong ! Cal2000