Well Stated Thanks Jeff, I would consider you more of an expert than myself and many others who post here. There have been valuable contributions made by Jamis and Ted and others. I also know that Sunyn has good intentions. You are correct about the newbie viewing could take QMC wrong and not understand what's going on. I am counting on QMC to help with my retirement and I 100% trust the company, they understand how long people have been here and our voices are being heard and will be continued to be heard.