I FULLY agree that a healthy debate and discussion and revelation of facts and laws is positive, but some of the acrimony seemingly (at least in my mind) displayed here is not. Maybe there should be a separate board set-up for discussion of PRO issues here at JPFolks (or it could be part of the industry or mentor boards), with some greater mentor input from mentors that JPFolks has within the industry.(just an idea!). My apologies for any hostility that might have appeared in my words or tone, that was never my intent. The posting of links to PRO policies has been VERY positive for increasing understanding within the community. However, at some point, we need to move beyond what we are doing now, is all I am saying.