To sum it up for me -in this case, I'll take my chances with the government option. Not that I like doing business with my government. After all, I've dealt with the MLCC, City County, County Health Department, DPD, I.R.S, etc, etc. But, at least I can find the jerks responsible for screwing me at various city halls and other agencies. Manny - well, you never know where he's at or what in the hell he's up to.