Aint that the truth....!!!! same here...I get pm's from "Shelly" telling me she has no idea what I'm talking about...No worries...in time she will...when the lose a ton of money trying to get somewhere with CDFT, DSCR, KMAG, TRIO...ahuh..and realize they can't ANYMORE...LOL!!!

the universe has a funny way of doing things. it gives you exactly what you need... *wink*