RE: Dines EffectGrant, that was a very good and very polite response. nice to see we can still act civil on these boards. will admit dines has made me a mitful, just in the last year. and really, I don't care if the man wears a viking helmet, tights and a toto while riding on a camel up main street swinging a dead cat! I've been burned in the past and my "overly" cautious and sceptical attitude raised it's ugly head. I do believe that it is necessary to "question" things and not to take things at face value any more, as I have done in the past. at this point in time I have run off 7 brokers and 2 financial advisors to date. the stories I could tell! bottom line- yes I will be renewing my sub with jd (renewal sitting right beside me as I write). best of luck to all.