On a side not, what do you have for a value for the much anticipated ngio shares in your accounts.....a big, fat 0.00.....correct.?....all we have is a future perceived value in our heads.....but in reality its a big fat 0.00.....so don't go spending what we don't have.....no bank will give you credit for that....so Joe is telling the truth...now whether you like it or not, its the plain truth.....