Good point Moneytax,I,ve said before and I,ll say it again if your buying millions of oppies you better be ready with the cash.Many oppies already converted,cash comming in and I think there will be a huge takeup,many like you and me Moneytax are waiting till the last minute.In the new fyr AUL will be a nice little earner so manipulate away boys I sticking to my plan...