[SeeAPenny]

....(Sorry -- slightly off topic here, but I had to smile because this thread reminded me of a commercial that ran on TV several years ago, which I can honestly say was one of the precious few advertisements I've seen in all my born days that I actually LIKED. I think it was for an investment company or something. It begins with a man suiting up in a wetsuit -- close-ups of him zipping up, slipping on flippers, adjusting his mask, and snorkel. Ok. But the next shot is of him splashing around in a outdoor public fountain gathering change, with a voiceover that states "And how are you planning to fund YOUR child's college education...?". Heh, silly!)....