Bruce, I really gotta agree with your last 3 sentences. I, along with Cecil and some others, was among the original posters on the previous PB website. I started off thinking I knew what I was doing and rapidly found out otherwise. I have been through several phases where I thought I finally "got it". At this point, I'm not sure I will ever "get it". Some of you guys are successfully challenging previous truisms. I'm starting to think again of the rate of change of change.