Sometimes things turn out. and instead of fighting it, it's much better to just go with the flow. Money myths # 14: I start my retirement plan when am a few years from retiring. OU Factor: The U Factor measures how much heat a window will allow to escape. http://Ww.Sencor.net/__media__/js/netsoltrademark.php?d=makerpgs.com%2Fcommunity%2Fprofile%2Fruthiestickler%2F