Ricky, think I will stick to my UK day job of ban IFA/b within a network. Even the FSA directive about treating clients fairly is more or less straightforward to implement when compared with the situation of coping with the mass virtual protest meeting last Thursday in Pooley ... P.S. I need mental, dental, 4 weeks bvacation/b, and better to break the news to you now, rather than have you find out the hard way: I'll need the key to the ladies' room, not the men's room : ) ...