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All’s I can add here Mark is that at some point it will become more painful to not take it than to spread the cheddar and take it. It may not be today so no worries there. Your thirst for knowledge may eventually supersede you desire for capital preservation. I can only say that it answered so many questions and cleared up a very worthwhile amount of confusion. It was also the springboard into other places where found information was not understandable until I took fretwiz. It is not the only class in town. At the time I did it I found it to be the least expensive and most easily understood. Still satisfied with the results. I know that is not equivalent to kicking the tires and test driving but it passed the test for me and I never met a dollar I ever parted with eagerly. Well, there was that one time in Mexico but that is a tale for another day over coffee.