I cannot believe you exist, sir. .. Where have you been all my darn life? I have just started listening to your show and i cannot believe how insightful and eye-opening it is! I have been thinking about doing some of things you've suggested in your show for some time now, but couldn't quite convince myself into doing it because I thought I was alone in this way of thinking! among other things, your thoughts on the mega-banks and credit card companies are spot on! you have gained a new, faithful listener, sir... thank you