Harey Guzmoon, Kaha work smart, but don't work hard bhane ta maile. There could be a substitute to working smart, but there are no substitute to hard work. I have come to realize that rather late, but bhanchan ni, deer aye par durust aye. :) By the way, "a penny saved is a penny earned," is not a bad way to go about it. ;) But we do only live one life. :) IndisGuise:)