I'm having a very hard time understanding what costs more. 1. Paying a lawyer to encapsulate all you do in legalese and mambo-jambo so nobody can sue you or otherwise take your money. 2. Just getting sued and handing over the money they want. At least option to cuts out the lawyer and he has to get an honest job selling hot-dogs with a forged vendors permit at 95% of the public venues he chooses to appear at. At least then... you know a hunk of meat is going between some buns (aka getting screwed) a bunch of toppings (shirt, tie, armani suit) try to dress up the act but in the end some dude with all the morals of a street vendor just screwed some mostly innocent individual out of every dollar they've got. If he didn't succeed at that it means he got them earlier when they paid him to write all the documents to protect them from *him* when he's working for their neighbor. ... I just don't get it. But at least I've always found your sense of humor and your perspective very refreshing... :laugh: