Shhhh....he'll forget that post if/when he gets to sell all of those 6s he bought. Especially if/when he gets $.01 or more! If he has the guts to hold at $.005!! We need the testing to go well and Steve expects it to go real well. I think the more important analyses will be how to incorporate it into the pricing structure of insurance "contracts". And, where will the liabilities be if APPs are not used if a discount is given. Go ONCI