Brian, do you just make stuff up as you go along? If I wanted to deceive anyone, I wouldn't be asking about it on a pubic forum. I hope your not the type to insult someone with accusations of intent to commit fraud when you have already been informed of state law. you have insulted me a number of times in this thread. why? Are you so shallow, you feel the need to belittle someones integrity to feel better about yourself? Or, Are you always right and anyone that may challenge your opinion is a fool. My view is it's all of the above based on all comments made by you on this thread. there's is an old saying Brian and it fits right in line here. "Just because your popular, doesn't mean everybody likes you". think about that next time you walk into a crowd of your peers. I am expecting a pubic apology for the rude comments you've made about me.