No problem, using Keangaroo vs @carolkean (thanks!) - and I thought the scammers were legion. One of the scams being a hotel investment scheme. You give them $100,000, and the return on your investment, $20,000, appears a few months later. Ooh! Cool! So you send MORE! And it never occurs to some retirees that they spent $80,000 to get 20K back, and they continue to say what a great investment that was. [:grimace!:]