Spec, I really do not feel that HSP came to me free as you say. The overall value of the once combined company seems to me to be the issue here. Better minds than mine obviously saw it differently and so it goes. I just have never "personally" seen how it helped the ABT company. My time line is shorter than most, I am working to insure that my wife is well covered when my ticket gets punched. In no way am I advocating overly risky positions in anything! O.