[boefixepa]

This is just one of those times were each has to make a personal decision. Personally, I won't do it if I didn't need it. But I wouldn't think twice if the need was real. I think need is a better measuring stick than "qualifying" for something. Many times, actaully most times, we are the product of our own choices. Unfortunetly we get ourselves into trouble quite often and then look to others to bail us out. It takes quite a mental shift to switch from a "taker" to a "giver" and often times the "takers" are making more acutal dollars than the "givers." I don't know if this makes sense, but I hope you can see what I'm trying to say.