A young unemployed girl told me she signed up for ACC for a cost of $17K plus interest! Crazy! If you know of anyone who is unemployed, tell them to ask their local State or City government about WIA (Workforce Investment Act - Kennedy bill) designed to retrain the unemployed in a new field. In other words their old field is oversaturated, or has been outsourced. Pass it along, Merry Christmas Abner Res Ipsa Loquitor