It's really interesting, reading this is showing how this is not a two sided debate, but rather multi sided. Yesterday, I was kind of with MP "against" DPF (not against you as such, but disagreeing with you), however, reading the above, I am most certainly not with CWALD (sorry, LegalEagle). I am not against you either, but your points are very very rigid and B&W. Just goes to show what an almighty mess the whole thing is!