I will keep following this topic and look forward see other points of view. Maybe I was correct on some points and not on others, as we all come from a different angle. I believe that I have got my prospective out there. I always like to see what others thoughts are, as I do not know it all.
We can and should learn something every day. Everyone of us have our strengths and weaknesses. It is just in different areas for all of us.
As I close the section out;
I an sorry for thoes who have lost money, time and trust in others with their experience. It is a lesson for all of us! I hope my thoughts will help prevent others fom making the same mistakes.