Read my post, Graceless. Once again, you pick and choose irrelevant issues. You are apparently not aware that commercial loans can have the same penalty clauses frequently found in credit cards. But then you are not a business person either. So do what you do best... Belittle my words, belittle me for saying too much, belittle me for saying too little. The keyword is there. It is your actions that make you the person you are. I just think you need help. Somehow this is your only avenue to let us all know it. If you are alone, may I suggest you find an outlet where you won't get yourself removed for your REMARKable talent but where you can find someone on whom you can unload. This would be a commercial outlet... ie a shrink. For the child's sake at least.