Nice guy, but no connection. I think he may have a psychic gift, but I cannot stand it when I ask an advisor for a clear, direct answer to a clear, direct question and they "vague out" on me. This advisor did that several times as I kindly repeated my question, as in (FOR EXAMPLE ONLY: "Will I be bringing the apple home from the store?") Now, to ME, that's a yes or no question. He WOULD NOT answer me. Just kept saying "Well . . . . that's up to your free will . . . (Like I don't know that EVERYTHING is up to my free will. Duh!) But when I am spending $$$$ and asking a clear question, PLEASE be kind enough to actually answer the question. Had to end the call. No. Just a no for me