Lord knows Doug and I have had more than a few go-arounds on Mudcat. I would point out however that he's never been anything but a gentleman. True, sometimes I feel like banging my head against a wall but that's my choice, not his. The enemy in this are insurance companies who insist on premasticating the information we get; congressmen/women who have theirs and screw everyone else, and lobby groups who have lots of money available. That in itself should alert people in the US to the alarming influence self-serving companies have over US government policies and efforst to help those who need the help most--but likely won't get that help until/unless they are informed to take their offers elsewhere.