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Nick is especially so...I'm a fan, for sure :thumbup:.

Learning, I see :D.

Want to bet on that assertion, my friend? :)

I have to disagree with Nick's characterization, if not his sentiment :). It's most certainly illegal to "cheat" the system...but it also most certainly legal and proper to use every bit of the law to your advantage. The end result can be quite a bit different..."cheating" can get you in...