john_welsh_phd - what a joke. first, i don't know of any intelligent person that signs their post using their last name "WELSH", what are you 12? second, the fact you feel it necessary to notify us of your phd more than likely means you don't really have one. However, if i had to guess; your "phd" stands for; "PILED HIGHER & DEEPER" b/c you sure are shoveling it. If you spread it on any deeper then we are all going to have to put or boots on to keep from stepping in it. Now, go look in a mirror and tell your self that you are too stupid to invest. In the morning go to your band (or have your parent drive you) and put all your money in a CD. Your a JACKA$$.