[DLfromthedesert]

I think you meant to say, "looser" :)

[Porterville]

Exactly my point, who cares how one spells once in a while?? We make mistakes, I venture that if I look into anybody's financial management skills I will find interest rates at 12+ percent for credit cards or even auto loans or who didn't refi their house... who cares, really, we all lack skills or are careless at times, particularly on a forum where we can vent.