It's a joke, Lewis. I taught the courses for years at the local college in Pasadena. But, I'm retired now and enjoying my first love, Traditional Jazz, playing clarinet. Russ Guarino, CLU, ChFC. Custode at aol.com wrote: > If you do not know what a CLU and/or ChFC are, you are not one. Lewis > D. Custode, Jr., CLU, ChFC