Ok, I'll admit my error on the math. It's not 31% it's 27.9069767442%, round it up to 28% and it's not "well short" of 31%. I'm not trying to start a forum war over this. I just happen to agree with the original poster. As you can see I've been a member for 10 years and just have a different opinion on this subject than some others. I'm not trying to change anyone's else's thoughts on this subject nor will anyone change mine. At this point I feel like I'm not getting "MY" money's worth.