You are right, Bessma and Jillian, despite the red-necked remarks of  xenophobe posters. You can't make money without spending money. Likewise you won't win without taking risks. I suggest we take risks on the generous side. And those whose forebears got safely tucked into bed here in Canada only one generation ago, and who selfishly want nobody else to follow them should stand aside, because the times they are a-changin'. And rapidly too.