<div dir="ltr"><div class="gmail_default" style="font-family:comic sans ms,sans-serif;font-size:large;color:#000000">My daughter asked me to evaluate this.  It's too much for me.  Help!</div><div class="gmail_default" style="font-family:comic sans ms,sans-serif;font-size:large;color:#000000"><br></div><div class="gmail_default" style="font-family:comic sans ms,sans-serif;font-size:large;color:#000000"><div style="color:rgb(80,0,80);font-family:Arial,Helvetica,sans-serif;font-size:small"><a href="https://img1.wsimg.com/blobby/go/99d35b02-a5cb-41e6-ad80-a070f8a5ee17/SMDwhitepaper.pdf" target="_blank">https://img1.wsimg.com/blobby/go/99d35b02-a5cb-41e6-ad80-a070f8a5ee17/SMDwhitepaper.pdf</a></div><div style="color:rgb(80,0,80);font-family:Arial,Helvetica,sans-serif;font-size:small"><br></div><div style="color:rgb(80,0,80);font-family:Arial,Helvetica,sans-serif;font-size:small">Thanks!  bill w</div></div></div>