I am sorry Karl for not having ever contributed to your site. I, like many others have learned far more from you than I ever learned in college. I went Galt in 1973. I have lived in a ghetto like condo complex for 34 years. Now, because of my significant other we are upgrading to a place in Fla.. $ will become of question after 2 years in my opinion, and I pray for our future. You are like a wise old friend (even though you are younger) and I love you for what you have accomplished here. Much man love is required and given!