Cool down, doney. I may be outnumbered 100 to 1, or 1,000 to 1. I'm a contrarian and don't run with the crowd. We were all newbies once upon a time. You can't go around holding their hand. That in essence was what you told the guy afraid of his margin call. You say, if you want to play there are times you must pay. That's good advice, especially for newbies. On the positive side, I generally agree with you. However, I don't want the head of R.N. either, and I may be outnumbered here too. But it doesn't make me wrong. End of debate!!!