Hey Rip Rip, somehow I get the idea your name is not because you are a Cal Ripken fan. JP Morgan has lots of PHD's, but I would trust their advice as far as I could throw them. Same for Man Financial. Same for Bear Sterns. Same for Lehman Brothers. Same for Long Term Capital Management. True, some people have all the anwsers. They work for the Rothchilds and they are not sharing their advise for free.