What an interesting Sunday discussion.  We will all be too intense next week so a little levity is refreshing.  Just a few comments to add, in my humble opinion.  I find this forum ever so valuable and read all posts as time allows.  So much to learn and I appreciate all the different thoughts.  One needs the right tools to do the job and thanks to  posters I am filling my bag with a variety.  However one must also learn how to use those tools properly and that comes from experience,  which is what I am hoping to learn on this board.  If someone lends me their skil saw it does not mean I will use it,  because it may cut my hand off.  We are all responsible to make our own investment decisions, but going in as fully informed as possible gives one a very great advantage.  Keep all the ideas coming and we will choose only what fits our individual comfort level.   

Well I must go now I have some poetry to read. 

Notie Girl