spot on br5491952 great post. and why would HJOE let the toxic loaners know about the new product sooner then releast.? i originally thought that there was only 1 toxic loan when i got involved with this company, KBM, now just how many are there,? 1 2 3 4 5 6 7 20.? i know i don't know. does anybody on this board.? i hope i have it all wrong for all our sakes, but not so sure i do.