No one has asked me to share the opinion I am about to give. This is my conscience speaking. Although I do not appreciate the thought of anyone "reaching into anyone else's pockets", I looked at the quantity of posters viewing the various ASFN sites a moment ago. Out of fifty or so online at this time, only four are Contributors. Four out of fifty. I am retired and living on Social Security, but I pay the small annual fee to be an ASFN Contributor because I appreciate that the owner and mods have made it possible for me to view (and post) a variety of opinions. It makes me feel good. That is my opinion. Thanks.