Your "hand-holding", at least for me is very re-assuring. I don't post much on this hub, but follow all the chatter. I have been a sh for several months and when you read the posts of many hubleaders, you gain a much better appreciation of the potential here. Sure, a risk is evident, but what about the reward? At .30 to .40, I personally feel it is a risk worth taking. thanks again Larry for your insight, it is much appreciated. Ron