I was not trying to insult you when I stated that you have learned a lot in a short while. As a matter of fact, I was paying you a compliment. I noticed that you seem to know the facts about AMEX and many others. I really wanted to know how you learned so much so quickly. Many of the topics you contributed towards were not previously discussed here. Yet you knew the facts. Outstanding! So I ask again (very kindly) how did you learn so quickly?