Good post that we can all identify with. We see you as a good RAT. The real annoying & childish rats are those that come here & kick people when they are down and call Steve a fraud. I still believe that people just don't want to put their phones down. In addition to causing distracted driving, the damn phones cause distracted everything. You may want to hold onto those shares. Insurance companies will offer DD APPs as soon as they are convinced they can make/save $Millions. That day could be SOON.