Thanks, Lok! Sounds good. We've been with Vanguard for years and I look forward to learning.P.S. You and I have been a little worried about the impact all the corporatefraud&greed/analystbigbrokeragehedgefundmanagers have had on the stock market and the economy. But never fear..we be fine, Lok. Here's an exerpt from Mr. Greenspan's speech the other day:"The development of our paradigms for containing risk has emphasized dispersion of risk to those willing, and presumably able, to bear it. If risk is properly dispersed, shocks to the overall economic system will be better absorbed and less likely to create cascading failures that could threaten financial stability. The broad success of that paradigm seemed to be most evident in the United States over the past two and one-half years. Despite the draining impact of a loss of $8 trillion of stock market wealth, a sharp contraction in capital investment and, of course, the tragic events of September 11, 2001, our economy is still growing."