 Okay, anyway, the thing is, though, that you don't know who to trust. And I go out on a limb telling you that Nick Grovich is extremely capable and extremely trustworthy. He shares our values, by the way. AmericanFederal.com, no obligation, 800-221-7694. AmFed, coin and bullion, AmericanFederal.com, 800-221-7694.