Richard, just a question and ya don't have to answer if it is personal. You have mentioned a couple times you weld. I live in a rural area with a lot of that kind of work needing to be done. Here about 4 years ago a logging truck, full, pulling a loaded pup lost the pup at the hitch. It crossed the road and head on into a car killing a woman and kid. They went after the logging company and the welder, where the hitch broke from his welding job. (He was a good welder) Of course they lost and the settlement was very high. That welder can't afford toilet paper now, the logging company is out of business. Obviously the factory hitch failed the first time for it to be fixed again. Don't know what's going on, don't make any difference, it doesn't change anything. Welders now are getting scarce as hen's teeth around here. They just pulled the plug on their shops and walked away. My question is are your insurance premiums high? Do you adjust your fees to adequately cover yourself and because of experience are you pretty picky about what you will do? Thanks John.