Yes it is. Many thanks to you! I am very grateful to have found you. I have learned much from you. I don't have alot of time to study but I am when I do have time. I have my hands full with 3 kids and a full time job that demands overtime. I can already spot patterns and make better informed decisions than before. I love your attitude and willingness to share your knowledge. Too many people think that to get something or move ahead they have to take it from someone else and step on some toes. I believe we can all rise together. A rising tide can elevate all the ships.