Slim, I am sure you would agree it would be better to seek discreet advice than to do something rash and foolish. With proper education, maybe people can avoid mistakes that will "ruin it" for YOU. You should appreciate the fact that people would actually research this topic, and utilize the information to determine whether or not it is actually worth the hassle. Had you ever bothered to question my motives, instead of jumping to conclusions, you would have learned that I was not looking for a web merchant, but was looking for an answer to another question related to the subject. Now, if you would prefer some discussion on this any further, please feel free to write me at rev440 at rochester dot rr dot com - and I won't even ask you for a merchant (don't need one).