If you are saying its plus 30% total percentage points, that means if I start at 0, I end at 30%. Is that what you are saying?   And once again - I ask you a direct question. You respond by calling me dumb. You dont answer it, you name call.   Thats the biggest loser mentality you can have. Because I well educated, in a high paying job and deal with complex financial situations on a daily basis. My IQ is high. I graduate with honors both HS and College. My ASVAB was for the l