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One vote for "neither".
You're not alone, Joe. I would have voted "neither" too. The Reg's just not for me. But it's a helluva deal for those who like it. <img src="/ubbthreads/images/graemlins/thumbup.gif" alt="" />

To be honest, I'm more disappointed to be missing out on a RMD.

But I'll get it one of these days. Hell, after my grail found it's own way to me I have no doubt of that! <img src="/ubbthreads/images/graemlins/smile.gif" alt="" />
That was awesome of Ted,congrats again,and thanks for the TTR. <img src="/ubbthreads/images/graemlins/smile.gif" alt="" />

SYKCO JYD#112
It's better to have it & not need it, than to need it & not have it.