And that's fair enough too DBK. We all have our own ways of investing and our own risk thresholds. Many ways to skin a cat, the most important is to find a way that works for you and stick to your principles. That's one of the most intriguing things about these discussions, people often think their investment strategy is the correct one, at the exclusion of others. Creates alot of heat. Ahhh human nature is a wonderful thing.