This is an entirely differnt story. I am with you here. I count my coins and if they are looking for a fee, and you have no reason to think that they are doing anything differnt than the next guy or if the sales agent hasn’t conveyed the value add, than I’m in your camp. I think it was a different psoter who stated the guareanted to buy you home so to me that seems like a pretty enticing piece to explore. Hopefully I didn’t ruffle your feathers here. I think I have a better idea of the situation now.