Billy--

Your thoughts on the matter are themselves very precise. And I appreciate them very much.

To know you and Pascal have worked with Dr. Kacher on these problems is once more confirmation of the high standards found here and how fortunate I am to have found you all.

(In truth, I followed a little trail: IBD --> Morales/Kacher --> HGSI --> Paul Duncan --> Value in Time and now the EV website. This trail is highly recommened).

Best,