Butch,
I had to laugh as I was reading your post. . . I was online as you were posting it. . . . I felt like i was taking a series 6 again! and then I thought "everyone already knows this stuff". . . but then i remembered, wait, that's because i show my clients this every other day. ;-)

1 million in overrides huh? Not bad. Did i ever talk to you about how you could be that guy in Ohio for my company. . .