jjl2u It strikes me that all you are asking for is CERTAINTY. If the world was that certain, there would be no investment opportunity, every individual would be rich and healthy, there would be no more insurance and no more gambling industries . . .  and so on, and so on. This is the sort of talk that I would normally hold when addressing a group of 5-10 year old. My concern is about your state of maturity, and that of the other bashers, who never seem to have understood what is at stake. If you want certainty, invest in pop corn machines and funeral parlors and spare us the details of your battling with demons. In other words, be a man.