To Ken Becker - My suggestion for you is to go back to bed and try to get up on THE RIGHT SIDE OF THE BED. IT is like I told our many young employees about meeting and working with the public. When you deal with the public, it is like looking in a mirror, if you want to have good dealings with people, "project a good image and it will be reflected back to you." We travel extensively since we have homes on both sides of the country and I have NEVER found your supposed problems. Are you not the person who took off about HMO's awhile back? Try POSITIVE THINKING - it WORKS.