Jan-I rated you a 5 and flagged your post.  This should be featured but has not even been recognized.  Great information and I agree with your thoughts.  The late night infomercials make me sick!  Aloha,

David Kucic RA, GRI, ABR, AHWD, e-PRO
First Sergeant, USA (Retired)
Tropic Lightning Real Estate, Oahu, Hawaii