Del, I think you have sized up the situation perfectly. And, I still maintain that this whole biz is a trial and error game. Eventually, if you do your homework and pay your dues (figuratively, and sometimes literally!) you will find someone who is in the biz for the long haul and is reputable. I personally believe there are such individuals out there that are honorable (and, if not honorable, at least see their biz as finacially lucrative). Nuff said.