Brian and Rick, I too saw Rick's comment a few days ago and immediately did more research into it, with the result that I sent off our requests immediately to change from beneficiaries to successor holders. Thanks, Rick! But the real point of my writing this reply is, for years I tracked Rick, Sandia, Snitkaw, SFI, etc, and their comments on G&M investing articles. I may not have seen the actual article (time constraints), but I was able to read the educated comments of these folks and then potentially read the article. It was terrific and I considered them part of my personal financial adviser system. I really miss being able to do that with the new commenting system, and Brian's comment makes me think that shutting off the ability to follow commentators was strategic on the G&M's part, to help them find their future topics. Bad, G&M, bad!