Jim, it is shocking that you are on a panel discussion at IWCE since you aren't a member of the law firm of Schwaninger & Associates. They run the regulatory track there now, instead of my friend Jerry Whitaker, of Intertec Publishing. Since Jerry stopped organizing the seminars, they have been All Schwaninger, All The Time. I am sure you and Riley will provide some needed balance to an otherwise lopsided group of programs. 73, Chris W3KD