The murder in broad daylight comment is a joke. I apologize if it offended. My point is, there are laws set up that honestly shouldn't be set up. I follow some of these laws very closely. I used the GST loop hole earlier this year to a huge advantage in transferring money to a trust fund. It was all legal. Above board. I do most of what I do because I am open for lawsuits that could potentially cripple myself. The government likes to make examples out of people and it would take 1 day and one mistake for my telemarekting compnay to call 12,000 people by mistake who are on the DNC list. All that would have to happen is the wrong list is uploaded and boom I'm potentially in hot water. I can't be there every minute. The other aspect is that I deal with variable products and commercial P&C alot. I have a 10 million E&O policy but if for some reason a business is written incorrectly and not underwritten properly and there is a lawsuit I am on the hook. At 10 million and 1 dollars I am on the hook. We live in a sue you society and I am just legally placing walls between myself and potential lawsuits.