That is the thing Dale....the things I thought changed were related only to MY business plan..not everyone elses. We are all different...there is not just one cast/mold...what fits me would not suit you and so on...my former carrier would be fine for someone other then me...so why a 2 page monologue of personal gripes....some people hold on way too long waiting for some divine happening....and they get a real hate going on in their mind...