...I appreciate the fact that You still post on this board.  Being the lone crackpot who put  money into ISA is bad enough,  being the lone crackpot who posts on this board only adds to the misery!!!!   I believe You mentioned that You are in Ontario,  I suffer in Alberta,  and just can't stop 'crying over the spoiled--spilled milk'  of ISA and the individuals 300 kms. away who so selfishly  rewarded themselves for it!!!! Thanks for Your interest!!!!!