I continue to be impressed by the displays of expertise in costs and business models made by those who have no experience in the particular businesses in which they are telling everybody else how and with what business model they should be run. This seems to often be coupled with a deep seated belief that they are being ripped off and the marketplace (well, actually certain particular evil people and organizations in it) is out to see them fail. My family's expression for this is "Do I smell cows?" My business friends' expression for this is market consolidation and shakeout. randy