Thank you Mr Cole. very  well written, but I don't need to be as civil as you. Imagine dunleavy and keithley hangin' out with a pal on a slow night.  I can hear them now. "C'mon pal, don't be a party pooper. If we tap your kids' college savings for just 10% we can party all weekend. Think of the fun we can have! cocaine and whisky and fast women! Whoopee!"