RE:TFC039 -hero or zero? Who knows-not even Howard apparentlySeriously are you waiting for results!!!!!! You are more of an Idi$t that I thauht. When you have excuses once OK than two well maybe but on and on then it's a scam. Everything must remain confidential because he is lying!!! Howard is a devious man. Definition: showing a skillful use of underhanded tactics to achieve goals.