I am very hopeful you are on the money allbetson.  Everything that you say makes sense.  .05 by the end of Jan. would be perfectly fine with me.  Anything beyond that is serious gravy.  The one thing that I have noticed is that on days prior to holidays there always seems to be a bump up.  Probably because certain mm's are off and not beating us down.  The good thing about this site is that we don't have bashers per se, and if they show up, we take 'em down quickly.  GO TECO!