Adam, while I knew a fair bit of this, much was extremely helpful and I appreciate the value. . I’ll be looking into the phone scam protection piece as I get hammered all day long. Sometimes if I’m having a bad day I will take these guys for a ride (esp the IRS lawsuit, since I just pocked my return refund). Sometimes I say very cheerfully HEY how’s the weather in Mumbai??? To which the guy sometimes answers that it’s raining, realizes his goof and hangs up suddenly. Burns off a little steam. However someone did empty my business bank account while I was on travel once. These guys are good.