Thanks for your thoughts. I like the altruistic concept of HERO and the idea we can 'Borrow' the HERO into existence. Exhuberance edged out the Essential Twins, Caution and her sister Thorough Understanding, with predictable results. I'm taking the experience as paid tuition and I'm thankful the loss wasn't larger. The hell of it is facing the fact I had plenty of liquidity, but too little understanding - a real life Homer moment, D'oh...