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Good points - and yep, I'm feeling better (can't you tell). A little while back I made the point that you never see seasonal numbers like 4 or 5 or 6, yet those seasons happen just as often as 12 or 13 or 14 - so, in my view, seasonal predictions still have a long way to go. If I worked for an insurance company I'd probably have a different viewpoint Cheers, ED |