Thanks Leo - I really just wanted to reach out to the founders (Brendan Burgess?) to acknowledge what a great resource AAM is. I'm surprised that I just discovered it now. I know forums attract all types but for me as an individual with a keen interest and some limited knowledge on financial matters, I have found it very useful already. Credit to BB and your team for keeping it going and for seemingly avoiding the lawlessness that sometimes accompanies some public forums.