I wish I was able to be at NJMP last weekend riding. Instead I did a nice day ride Sunday in the Housatonic river valley and the Hudson Valley. Every curve where I was wanting to drag knee (on the wee) made me long for my next track outing. Oh well, next year. Glad you are able to max out the 401K. That will lead to a more comfortable, or even more early set of choices to choose your future. And I'd love to have that shareholder value discussion over dinner/beer someday. It sounds like we will have many points of agreement, and also divergence in our opinions. :up: