direct contention with your subject matter. If you don't know the specifics, don't generalize. I also have gone to John and he has been VERY generous, knowledgeable, and helpful. Although it was unfortunate what happened in Tod's case, it was not out of his control and you would know this if you knew the specifics of the circumstances. John has every right to charge for services - it should not make a differnence how much one spends. rant over