If there is anyplace that could use a little humor to lighten up the place, it is here. Personal attacks on another poster will be deleted. PS  Clyde, as far as I know, does not actually talk.  However, I have a dog that I know many times what she wants.  And she is never mad, disappointed or out of sorts with me. I know there is a lot of frustration, me included, but that doesn't mean we can't laugh.  I'm definitely not the sharpest knife in the drawer and that is one of the reasons I'm here-to learn and get better.  The lower opinion I have of my greatness, the more I can learn from others. How long you been doing this investing thing?  Me, it's been ahobby for about 5 years now.  But I would like to learn how to do better. My best to you,  Jim