I suggest reading http://www.ripoffreport.com/reports/ripoff32195.htm and then deciding for yourself. Debbie You can unsubscribe from the list by sending email to jsfg_cinti-request@xxxxxxxxxxxxx with 'unsubscribe' in the Subject field. Web archive: http://www.freelists.org/archives/jsfg_cinti Questions to: jsfg@xxxxxxxx