I am not sad Michael In fact I am glad now because I only have me to worry about and not 20 people. after the Hurricane property soared and I sold at the Top just before the bust. Today I look at all the debunk nurseries and think I got out easy. For two years I did nothing until my investments went sour. I down sized my living arrangement and resat for the L&O and GHP certs and started part time to supplement my income. Now my investment seem to be doing better and I am planning on getting out of L&O and doing only GHP.