No Dave, I would be the lowest. Only heard about HC 4 days ago, and 'WOW', what a revelation. It takes a lot of the legwork out of it. I bought some UMC only a few weeks ago on a 'hot' tip, and then started to do a bit of research. It seems that luck was on my side (rest assured it hasn't in the past).
Keep up the good work folks... I am learning heaps.
Terry