Please forgive my ignorance, but who is Dave Ramsey? I thought it was a little scary that I was thinking counter suit and like a lawyer, guess my masters degree from Boston University in Criminal Justice just might pay for itself.

Oh, and I am wanting so many kilts it is not funny, I bought the District Tartans book and there are so many nice tartans out there, plus I am still trying to design a tartan for Boston University, but if I really come into some money I won't need any funding at all.

Cheers
Chris

PS, my new avatar is a tartan I designed on the STA website, such a fun tool.