carmen here is the article i saw ... maybe you will understand it better then i <br /><br /><a href="http://www.rclinvestor.com/phoenix.zhtml?c=103045&amp;p=irol-newsArticle&amp;ID=1085423&amp;highlight=" target="_blank">http://www.rclinvestor.com/phoenix.zhtml?c...&amp;highlight=</a>