The answer was supplied several times with links to articles directly addressing the question. He, however, lives in fear of clicking on links. So then read the articles addressing this on the front page of Two Bills Drive. Short of that, there's Google. I know the answer. I've read the articles and did the research. I don't insist people do it for me and have a tantrum because I'm too lazy to read. Since you're so concerned about his source of knowledge, why don't you do the research and let him know?