Well, you are MBA, huh ? And you think you are on the top of the world ? You know what it reaklly tells me ? You sounded as if you discovered another species in the universe... I also have an engineering degree and a MBA. Working in Morgan Stanley ? No wonder you have a broker attitude and full of misleading crap and BS. Your words shows where you work and what you do for living.... Have fun cheating and lying...:-)