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Well I enjoy DC's comments and his down to earth approach. Adds a good balance to an otherwise lopsided thread and he does have a lot of commonsense IMO. If you're that delicate because you've piled everything into NWE don't take it out on fellow contributors. As for 3.5; won't happen unless the whole economy crashes and America has to at last pay the piper in which case they'll just wipe the dollar and start again with a new one which will be a real Pandoras box of tricks.