So blessed to be able to talk with Richard. He always sees the bigger picture and gives me something to think about. I will keep you posted Richard on what happens or doesn't happen (as always), and I apologize for running out of funds and not having the chance to thank you for your insights. If anyone is wondering, Richard is wonderful as an adviser. He is professional, friendly, and has a very calming nature about him. Try him and he will become a favorite adviser without a doubt.