It will be my 20 year anniversary this Sunday from when I joined BOL. As I am retiring soon, I would like to thank Lucy Griffin, instructor at ACB Compliance school in 2001, who recommended I sign up for BOL and get the Big Orange Book. What a great idea that was. This website really helped me out early in my compliance career and I am very appreciative to Mary Beth and others here who helped me with my questions. I certainly received more than I gave in the Threads, but always tried to support the BOL vendors as much as I could. Wish I still had Richard Insley's APR calculator. I did keep my HP12C from my lending days. Best of luck to everyone!