There's so much it gets confusing to all of us at times. That's what's nice about this board -- a lot of different people are knowledgeable about different parts of this puzzle. Together we slog through it. I still take my hat off to you guys who have such superior analytical skills and basic investing knowledge. I just tend to remember details of things I've heard. Like I NEVER lose track of any money I have -- no matter how scattered it is! I usually know where every penny is. (That's what helped me survive a bitter divorce from a very sharp attorney )

GLTA