PHD - a winner !!I will may be hopeful, maybe prescient !! - On PHD and if I'm correct it will be a winner ! - however my kids will be the probable FINAL beneficiaries - and if I've chosen wisely - (as I believe I have) will be able to pay out their mortgages early - I don't have BIG money in the market - but it's more fun than going to a Casino - to each their own !! CIAO now!