1st post: any companies give you complete choice over when, where, if you take a ld?

[davekc]

That was you, 'we' did no such thing. Unlike you, a lot of people have been sharing useful knowledge both in this thread and through PMs. Great board, too bad you're a mod.

Yeah....too bad isn't it. Glad you can make that assessment after a few days of being here. I'll tell you up front with a accurate personal assessment rather than pat you on the head and give you a bunch of posies & rose colored glasses.
Your final analysis only confirms that. I would rather do that than provide a disservice to new members with something false when they very well could be making large financial investment.
If by chance you already knew that, then you shouldn't have been asking the questions in the first place.
Have a nice holiday and don't forget the pepperonis

[davekc]

Since you FINALLY decided this isn't for you, move on to something else.
Have a nice Christmas.