Please do post conversion related info. A while back I seeded various boards with links to mutuals and primers on how to open accounts. JimJackJoe found some of them, but not all. I figure I got about 10-15 inquiries for more detailed information, which I gladly provided. No matter what this guy does, more and more folks will find information and open accounts. He feels spam is his defense. Fine, but if everyone on this board follows Smelky's example JJJ will be driven mad in the end. All he'll be left with is a stub. As an example of my bona fides, here's a link to all the federally chartered mutuals in the Northeast. http://www.ots.treas.gov/instsql/results.cfm?region=1&chartertype=1,9,11&catNumb er=70. OPEN ACCOUNTS AT ALL OF THEM.