I Hear you. On Both your Points. And there are such Ripoffs and the Like. Life Insurance is one of the Areas that I'm even Less Knowledgeable on Insurance, But I Take your Word for it there. I'm Sure there's Rip Offs, "Less than Best Nobles" and Such there too.  [color:"black"]  [/color]  [email]wildcard163[/email]   
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"No Substitute for Victory!"and"You Can't be a Beacon if your Light Don't Shine!"-Gen. Douglass MacArthur and Donna Fargo.