i feel somewhat guilty now, b/c i just can't be posting any more
Nice to have helped a few people here and there. Certainly helped myself more though. Explaining things always helps the one explaining first.
I have to spend all my time now at Morningstar. Learning the site and figuring how to make the best use of it is very demanding for me. It's stuff i have to learn for the first time. I've used Personal Genius and Silva stuff & am doing surprisingly well.
Take care all 
