and as for 'Beta', it's all greek to me. Let it go, professor, it's not that important: I'm still supposed to have two weeks left on my summer break, OK? Jeez, you'd think I was paying tuition to use this board: come to think of it, it HAS been an expensive learning experience for me, owning PZN. Maybe your distemper comes from having spent too much for your shares?? If that's the case, join the club: we're probably all in the same boat. Swapping ideas may not move the stock much, but it sure helps me to understand just what I have gotten into when I read the backlog of posts, yes, even some of yours have helped a little.