Crash, yes I remember your nags doing eally well, and in fact you and I had a bit of a tipping comp for the place where you beat me hands down as well. Not taking anything away from that but I agree it doesn't prove much as you(anyone) could win for 2 years and then lose the lot in 1. I used to back the nags like that in the uk, you know all guts, it really scares me now, I've calmed down with old age.

Why bother with the retirement plan, well it provides a goal and keeps yer interested doesn't it?