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Bruce I am "all ears" let's hear your theory! I also want to say that my comment about doctors not knowing a lot about money, except for wanting plenty of it, is not a reflection on doctors any more than on most of the human race, except for guys like Bill Gates! In case any of your doctors do tune in to the list, I know a guy who used to be a janitor for an HMO and he is willing to "practice" medicine for a pittance! (Just kidding!!!!) Ken B