Hello everyone,
     This is the only thing I have ever come upon that didn't somehow manage to raise at least a small red flag somewhere in my logic-driven mind.  Hope to find plenty of info here and will read any and all suggestions.  BUT, I am barely crawling at present and UNTIL I know I can run with the ball and lead my own team as they will deserve to be lead, and even afterwards, I will primarily depend upon and trust in the guidance of my own sponsor.
     Long ago, I learned a valuable "life lesson":  "WHEN DRIVING IN THE DARK, never outdrive your own headlights!!".
     But, OOOOOOOOOOOOOH I do love SPEED!