Yes you're point is valid. Because I've already made it. You do realize you're just repeating what I've already said. Originally Posted by THNI kind of changed it but the spirit of the letter is still the same. I am not getting through to you so that is why it sounds the same to you. Have empathy for people who have been screwed even though they could have done something else to change that outcome. What goes around, comes around. No one is that intelligent or that good of a risk assessor in the avoidance of life's pitfalls.