David my apologies for posting empty replies.

If what you say is true, I know my base fee would be roughly half or a third of that for your situation if that helps to give you perspective.To speak to the other posts in reply to mine, I appreciate the clarification.

As I wrote in another reply too - one more benefit for me is that in a way it's "forced savings" - I have to find a way to pay the bill...

Thanks for the replies!

Hi Zalman,Thanks for your reply, some quick responses:1.

Thank you for thoughtful reply.

Got it thanks for replying. 

I appreciate you taking the time to reply Jonathan!  

Apologies for the tardy reply.

See my reply to Ben Dao.... but, if you need to be right, I'll concede that much.