Just one more bit to come your way. For those of you who haven't seen the WSJ article, it is up on a web site: http://www.concernedcounseling.com/ccijournal/ezzos.htm If you are reading this on line, you can just click on: <A HREF="http://www.concernedcounseling.com/ccijournal/ezzos.htm">wsj article </A> Warmly, Jan -- in cold Wheaton