The only conclusion I can draw is that joey is a freakin idiot! You must work in Travelers PR office or are one of the lackies who own worthless options. Do everyone a favor, stop cutting and pasting... better yet posting or you will force my return to the board as a regular contributer. Why don't you and "health" meet in the lunchroom and entertain each other with your pearls of wisdom. By the way, there was a typo in your conclusion, you forgot to add "not" between "is" and "a". No need to thank me (as an obviously smart individual put it) numb nuts.